…if you don’t stay on top of them.
…if you keep using one that doesn’t work for you.
…if you set outrageous goals that you very well know you can’t meet.
…if you spend 10 hours setting one up!
…if you track every single penny that comes in and out. and I mean that literally – every. single. one.
…if you are doing it for anyone else other than yourself.
And lastly – budgeting does no good if you don’t change your ways!
Find a budget that works for you, and make it happen.