When it comes to finances, people generally fall into the following groups. Planners control their financial affairs. They budget to save. Strugglers have trouble keeping their heads above rough financial waters. They find it difficult to budget to save.
Deniers refuse to see that they're in financial trouble.
So they don't see a need to budget to save. Impulsives seek immediate gratification. They spend today and let tomorrow take care of itself. They couldn't care less about budgeting to save. Knowing what kind of financial manager you are will help determine what changes to make.