Step 4: Build Flexibility
Rigid budgets often fail because they leave no room for joy or emergencies. Add a “miscellaneous” category for small surprises and celebrate financial wins — like meeting a savings milestone — to stay motivated.
Summary
The Payoff
A realistic budget isn’t about perfection; it’s about direction. By understanding your financial habits and aligning them with your goals, you turn money from stress into strategy.
Published on Oct 28, 2025
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