So you have a family budget. There’s only one problem – you haven’t stuck with it! Maybe your budget is nicely outlined and detailed, but sits unused on your computer or in your desk drawer.

Formulating a budget is a challenge, but once you have it done, it doesn’t do any good unless you stick with it. Of course, sometimes you do need to compromise, and your budget does need to be somewhat flexible. But you can periodically tweak and adjust your budget and still stick to it. Here are some creative and even fun tips for sticking with your budget.

Have a Look-See

Maybe your budget didn’t work out because it didn’t fit your needs. Take a fresh look at your budget and ask some of the following questions:

    •  Is it too detailed? You might find it exhausting trying to keep a budget that has dozens of categories.

 

    •  Is it too simple? If your budget is too general, you may have let it slide because there just weren’t enough details to get a true grasp on your finances.

 

  •  Does your budget include alternatives? If your family is not the creative type, you may have had trouble coming up with alternatives to the budget cutbacks. For instance, if your budget revealed that you needed to cut back on eating out, and you didn’t have an alternative plan for what you were going to do instead of eating out, you might have slipped up and deviated from your budget. For some people, this is natural; others need to write in alternatives.

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