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I've never been able to stick to a budget. What am I doing wrong?

It's not easy to stick to a budget. You may have variable items like personal care, entertainment or department store purchases that rise and fall every month. If you are consistently off budget, you need to take another look at the process.

Are you being realistic? You may have set savingsgoals that are too high. Or you may have taken on rent that is out of line with your income. You may be willing to live this way, but your budget should reflect this choice with accurate numbers.

Or are there areas where you could reduce expenses? Perhaps the best use of a budget is in really letting you examine your expenses in order to separate the essentials from the not-so-essential.


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