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5 Ways To Solve The Budget Problem

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So you decided to take your financial matters into your hands and attack your debt. You are doing a great job at staying away from the broke mindset, and you want to start living a financially stress-free life, yet you are having just a tad bit of a problem with that thing called a budget.

You started budgeting, yet it's not making sense or not working. You need to figure out what you are doing wrong to solve “The Budget Problem,” and I'm here to help.

First, let me say that when I started to create a budget, I was terrible. I have never done a budget in my life, and I was trying to learn how to create one.

It took time to find a budget that worked for me. I understand that you want to give up because your budget is not functioning for you, but please don't. Here are 5 ways to solve “The budget problem” so you can continue on your financial journey.

Couple looking at their budget.

5 Ways To Solve The Budget Problem

Write everything down

Sometimes we forget to write everything down. Every dime we spend, all the money we receive. To create a budget that works for you, writing EVERYTHING down will help. For example, if you spent 10¢ on a sticker, write it down. Account for all the spending you have for the month.

Stop comparing your budget to others.

Your financial situation is entirely different from mine and others. Each situation is different, which means that every budget is different. This was my biggest mistake when I first started budgeting. I kept comparing my budget to others, and I was failing miserably.

Be honest with yourself.

If you are working on your budget and the bottom line is on negative, then my friend, you need to start working on your finances and fast.

If you are spending more than you are earning each month, it's time to face the reality that we need to start hustling and taking some action to improve our finances. Sometimes it's hard to accept that we are the reason our finances are a mess.

The good news is that it is fixable, and with hard work, your budget will work for you.

Stop making it so complicated.

I don't know about you, but sometimes you look at your budget and realize it's too complicated. Make a simple alternative if you dread doing your budget each month because it is too complex.

I used to have every category for my budget and many envelopes when I was doing my cash envelope system. It was insane.

Simplifying my budget helped me control my budget, and when I started to see the budget work for me, it gave me more encouragement to keep going.

Find a budget system that works for you.

Whether you love writing your budget on paper, using spreadsheets, or budgeting programs and apps, you need to find a budget system that works for you. For example, I wouldn't say I like having papers all over. But on the other hand, I'm not too fond of clutter, so I opt for a budgeting program to do my budget.

This is something that works for us, and we enjoy using it. Now what works for me might not work for you.

Some of my friends rely on good old pencil and paper; this budgeting system works for them.

If you are a visual person and need to see your budget and progress, then a budget software or app is needed. You can also hang a copy of your budget where it's visible to motivate you.

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Solving your budget problem is something very personal and should reflect you. You should not create a complicated budget because someone else does it ‘this' way.

Your budget is the blueprint for your finances. It is an essential tool to guide you during your financial journey.

Since your financial journey is yours alone, your budget should reflect that. You have to be open and honest with yourself about your finances and where you want to go from there.

A budget that reflects you takes practice, so please don't give up. I hope these 5 ways to solve “The Budget problem” helps you move forward with your budget.

What are other helpful ways that have helped you solve your budget problem?

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