Every month, I diligently write out our budget and track how we spend our money.
Most months we stay close to our target budget. However, there are some months, especially the winter months when we have a number of expenses due at once, where we struggle to make ends meet.
I’m sure you’ve experienced this as well.
If you struggle with your budget, you’re not alone. Turns out, there are many reasons why most of us spend more and save less than we should.