Many people consider it a chore.
Yet once your budget is set up, you will be surprised at how easy it is to maintain it and review it each month. If you spend haphazardly and have nothing left from your monthly paycheque, budgeting lets you gain control of your spending and build up your discipline to save. Be Realistic Many people fail to stick to a budget for one main reason. They do not make a realistic budget. When you are not used to budgeting or don't do so regularly, it is natural to get discouraged if the amount of money you have doesn't appear to stretch far enough to cover all your expenses.