Budgeting is hard.

We are not going to tell you it’s easy, and that you’ll get the hang of it right away. Like any new system or habit, it takes getting used to in order to make it work for you.

If budgeting was easy, there wouldn’t be 20+ million budgeting templates on Google.

But as hard as budgeting may be in the beginning, not having a budget is hard too.

Choose Your Hard

When you don’t have a budget in place, you’re making decisions on the fly. You’re not sure if the thing you’re paying for – needed or not – is within your means.

And this uncertainty is hard.

It’s mentally and sometimes emotionally draining to constantly be unsure of your financial situation because unless you have a secret money tree growing in your backyard, money will always be a factor in your life. How much you have, how much you need, what you should do with it, where you should keep it: these are never-ending questions and concerns.

When you don’t have a budget, you are choosing to keep up the uncertainty. 

But when you decide to have a plan for your money, the type of hard you face shifts.

Eventually having a budget will help things get easier. Sticking to a budget means not wondering if you can afford that vacation you just booked, the new winter coat just had to buy, the date night out with your spouse. Things are planned an accounted for. The worry disappears.

Having a plan for your money allows you to create a road map that takes into account your goals, priorities, wants and needs. It gives you vision and clarity not only around your finances, but also around the things you actually want and need out of life. And that is the opposite of the daily struggle of not having a budget.

You Can Do Something Today

Our challenge to you is to start somewhere.

  • Write down your recurring bills and their due dates.
  • Challenge yourself to only spend X amount of dollars the next time you go to the grocery store.
  • Open a savings account that is earmarked specifically for the next vacation you plan to take.

At Fiscal Fitness, we believe the first step to improving your relationship with money is knowing that things can be better, so take that first step and begin making your money feel a little less hard.


If you’re ready to start getting serious about creating and sticking to a budget, start here with our How to Budget Guide. It will give you step-by-step instructions for how to create your budget. Or let us create one for you and book a Eureka session today