Hello there friends! In today's episode, we're answering the question of...   WHY IS STICKING TO A BUDGET SO DARN HARD? We've probably all tried to create a budget, then tracked it for a month, fallen off the band wagon...after trying this very cycle again in a few months. But why?? Society tells us that we need to have a budget and if you don't have one...get one asap. OR if you don't stick to it then you're a failure, or in capable of managing your money well.  What's in the episode? In this episode, Cat and Christine dive into the pros and cons of budgeting and money psychology. Should we just ditch the word "budget" entirely and re-frame this money behaviour as planned spending? We think so.  Specifically, we cover: How our brain reacts to the word budget Whether 'slimming down the fun' is ever possible Changing our mindset to being goal oriented rather than going withoutHow often you should review your spendingThe difference between being forward focussed wit Getting out of a binge-spending cycleManaging budget and spending guiltThe 50/30/20 budgeting rulePaying yourself first - what it is and how to do itCreating positive behaviours when it comes to budgetingManaging a budget with a partnerHow to practically set up your bank accounts ...And honestly, there's so much more goodness in there, so get listening now.  If you enjoyed today's show, we'd LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend or family member.   Join the conversation on: Instagram - itsnosecretnz Linkedin Check out all our resources mentioned and full show notes at: https://itsnosecret.co.nz/18