Why You Can’t Stick to Your Budget

Dang it! You set the budget for the millionth time but for some reason you can’t seem to stick to your budget! What’s the deal? It’s starting to feel hopeless…

If it seems like I just read your mind that’s because I have been in your exact spot! It took hubby and I a good 9-10 years before we FINALLY figured out why we couldn’t stick with our budget.

In today’s post, I’m going to uncover three reasons you can’t stick to your budget and what you can start doing today that will change it all around so you can once and for make it work!


This is the SOLUTION to figuring out why you can’t stick to a budget! Here are 3 reasons why you can’t stick to a budget and HOW TO FIX them and learn to budget the right way once and for all!


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3 Reasons You Can’t Stick to Your Budget


1) You’re Not Checking Up on Your Budget

Budgeting is not a set it and forget it thing. Does your life and finances stay exactly the same every single day? That’s the reason you need to continually be checking in on your budget. I call these check-ins Budget Dates. 

It’s as simple as taking a look at your current budget and make sure that it aligns with any upcoming expenses such as birthdays, car maintenance, or school supplies. 


2) You Give Up

The only way your budget will fail is if you don’t keep trying! Do you know how many times our budget hasn’t worked? Do you know how often it continues to “not work”? Yeah it still happens to us.

The only difference between a successful budget and a failed budget is that in the first scenario you didn’t give up! Budgeting is all about trial and error. You make educated decisions based off what your current spending and income are. Then when you do your budget dates you make adjustments to make it better and cater to your current priorities and goals. 

Yes unplanned expenses happen to all of us. The difference between the fails and successes is what you do when that happens. You can choose to throw your hands up and make excuses as to why this won’t ever work. 

OR… or you look at what just happened, get things back under control (thank goodness for emergency funds!), and then take a step back and look at the big picture. What can you do now in order to plan for the next time this happens, because chances are it will.

The more you do this, the less and less unplanned expenses will pop up.  


3) Your Budget Doesn’t Include Your Goals

Why should your budget include your goals? Because that is the key to staying motivated to stick with it! It changes the way you think about every decision you make with your money. 

You know that the reason you’re choosing not to hit the drive thru tonight is because this bad habit is costing you hundreds of dollars that you are now being more intentional with and are getting closer and closer to hitting your savings goal for your family vacation to Disneyland next summer! 

Whatever your dream worthy goal is, you can make room in your budget if you learn how to be more intentional with every dollar you earn.

This is the SOLUTION to figuring out why you can’t stick to a budget! Here are 3 reasons why you can’t stick to a budget and HOW TO FIX them and learn to budget the right way once and for all!

How to Include Your Goals in Your Budget

You know what your top prioritized goal is, but you think there is no room in the budget. Now what do you do? It’s time for a deeper dive into the way you think about and act with your money. 

There was a series of steps that our family took when we decided to stop swiping our debit and credit cards thoughtlessly and actually started taking action to pay off over $20,000 in debt and save up enough cash for our couples vacation to Costa Rica AND save enough money for a down payment on our first home! 

We used what I now call the Better Life Budgeting System. This is a real life step-by-step process that is 100% customizable for your family too! This is the system that helped us eliminate all our negative money habits that were secretly holding us back. 

It’s how we broke down our goals into actionable financial steps and worked backwards to figure out what was Step 1 so we could get started and know we were making progress where WE wanted to go. 

If you want to learn how to start using the Better Life Budgeting System TODAY, I have a free online training that you can signup for right now by clicking here. 


How are YOU Going to Stick to Your Budget?

It’s time to own it! What action are you going to take TODAY to make change? What is one thing you are going to do today that will help you stick to your budget? Let’s chat about it down in the comments!

Now when you are actually taking that action I want you to take a selfie and share in on Instagram and tag me @PenniesIntoPearls. I’ll do my best to reshare as many as I can, that way we can all continue to feel inspired to stick with our plan to change our goals into plans!


Talk to you soon! Xoxo



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  • smore traiolit
    May 6, 2020 at 2:10 am

    magnificent points altogether, you just gained a brand new reader. What would you suggest about your post that you made some days ago? Any positive?