#Budgeting 101 Reasons why you are finding it hard to stick to your budget

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As useful as budgeting is, it isn’t the easiest task to accomplish either.

play Frustrated woman - reasons why you find it hard to stick to your budget (Heart and Soul)

Budgeting is an important financial planning strategy that any earning person needs to adapt to.

It is not only a smart financial management move but it can also help secure one’s future by keeping track of spending habits as well as the saving habits.

As useful as budgeting is however, it isn’t the easiest task to accomplish either.

The Balance, gave an insight into some of the possible reasons why you may be finding it hard to stick to your budget.

1.You have no self-discipline

play How I spend money meme - self-discipline is important when it comes to budgeting (Neatorama)


The most important rule of making a budget work is to have self-discipline. Without self-discipline, then you might as well forget about budgeting. For example, you may have budgeted to spend 5000 shillings on entertainment and leisure activities for the month but somewhere along the line you end up spending double that amount because you couldn’t resist a night out – and this brings us to our next point.

2.You don’t budget for fun activities

You don’t budget for fun activities. Yes, the amount you spend on a night out or a trip somewhere can be unpredictable but that should give you more reason to create a budget for it.

ALSO READ: How to eat healthy on a budget in Nairobi

3.You haven’t given it time to work

Just like everything else in life, you need to give budgeting time to actually work. You can’t decide to get serious about your budget today and give up after two weeks because “it’s just not your thing”.

4.You don’t change your budget

play Woman budgeting - always review your budget to make sure you have the right plan. (The Spruce)


You need to learn how to switch up your budget. If you discover that your food supplies take up more money then add the budget for your food supplies and reduce on other expenses that can do with a cut.

Always review your budget.

5.Your expenses are higher than your income

Be realistic when it comes to budgeting. You can’t be spending 10,000 shillings, for example, in a week on a 30,000-shilling budget.

6.There is no emergency fund

play Emergency fund - an emergency fund is important for any budget to work (Review Services)


You don’t need a genius to tell you that you need an emergency fund. You’ll never know what the future holds and, in that line, need to be properly prepared for it.

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