Why budgets fail (and how yours won't)

Most people try budgeting once, make a perfect spreadsheet, and give up two weeks later. The problem is usually the plan, not the person.

• The plan was too strict, with nothing left for fun.
• It forgot the irregular costs: school fees, birthdays, car service, harambees.
• Nobody looked at it again after payday.

A good budget is simple, realistic and checked often. It is not about saying no to everything. It is about deciding before the money arrives what it is for, so you spend on what matters to you.