How to Stick to a Budget (For Good This Time)

Setting a budget is a lot like going on a diet. Making plans is just the first step. In order to see any actual results, though, you have to put in the hard work day in and day out. And that’s where things become difficult. As most people know, setting a budget and sticking to it are two very different things. Fortunately, we’re here to help. These five tips will allow you to make smart choices and maintain your budget no matter what.

Pay With Cash

It’s very easy to lose track of how much money you’ve spent over the course of a day, week, or month if you primarily pay with your credit card. On the other hand, if you take out a finite amount of cash and commit only to spend what you have on you, you’ll find it much easier to keep tabs on your spending habits. When possible, pay with cash this will make sure that you don’t overspend on things you don’t really need. 

Plan for Emergencies

Is it possible to predict when you’ll experience a financial emergency? No, not really. Still, you can set aside money each month to prepare you and your family for such an eventuality. This way, you’ll be able to cover an unexpected expense without wrecking your budget. So, for instance, if you find your home needs foundation repair, you’ll be able to contact a company like Brickworks Property Restoration to fix the problem right away. Bonus silver lining: addressing issues like this quickly will actually help you save more money in the long run than if you ignored them. 

Reward Yourself

Most people who stick to a diet for a long time designate certain times when they can “cheat” and veer off their plan. In the same way, savvy budgeters know when to reward themselves. If you’ve managed to stick to a budget successfully over the course of a few months, then don’t feel bad about making a few purchases to reward yourself, just make sure to not make it an everyday habit. After all, budgeting isn’t meant to be a way of life, but rather a means to an end!

Look Ahead

The more detailed your plans are, the easier it will be to stick to them. Given that fact, it’s a good idea to plan as far ahead as possible. Make lunches for yourself in advance, schedule checkups, and repair months before they’re needed, plan your grocery lists, use coupons and avoid situations that promote impulsive decision-making and overspending. 


If despite your best efforts, you find it impossible to stick to your budget after weeks or months of hard graft, then it may be time to reconsider your plan in the first place. It’s possible that you’re simply asking too much of yourself and that your budget isn’t realistic. Remember, it’s okay to tinker with your budget so that it suits both your needs and your lifestyle in order to stay on your strict budget.