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Do you have any tips for people that have difficulty sticking to a budget?
Yes. Just start! It is true that most people have trouble sticking to a budget. We all want to buy things and fall into the trap of thinking we will be better off if we buy them. People buy things all the time to make themselves happy and never actually do! It is all about the mindset. Budgeting does not mean you cannot enjoy yourself. It is all about what you tell yourself about spending. If you tell yourself that you are being deprived, you will feel deprived and want to go out and buy something. If you tell yourself that you are being smart and saving money, you will be happy and feel like you have more. The choice is yours. If you are serious about staying on budget, then the best thing you can do is to actually say a little to yourself when you spend any money. Tell yourself that you are using your resources wisely and making good financial decisions. You will be surprised at how much you can save over time.
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