4. Free Debt Counseling Service
Break a Bad Habit with a Good Habit
The main reason why so many people struggle with their budget is that it isn’t realistic. Either they forget to include things that they know they’re going to spend money on, or they set their budget based on limitations and deprivation by excluding things they really want to spend money on. Be realistic! You need to allow for some of the things that you really want to spend money on. If you spend $100 a week on eating out, before you cut $100 a week out of your budget, learn to cook, buy groceries, organize snacks and plan what else you’ll do when everyone you usually eat out with still heads to the restaurant. Leave $50 a week in your budget to start with, until you’re ready to cut all $100 out. We are creatures of habit, so take it easy on yourself and learn how to replace one habit with another. If you need help with this give our free debt counseling service a try and we will help you build a budget that works for you.