{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Why You Can't Stick to a Budget (10 Real Reasons)","description":"If your budget keeps falling apart after two weeks, it's probably not your fault. I used to think I was just bad with money. Then I realized the budget itself was the problem, not me. In this episode, Linda and I walk through 10 reasons budgets break and what to do instead. We cover zero-based budgeting, unrealistic numbers, tracking expenses, and the credit card mistake almost everyone makes. We also share why building fun into your budget is one of the biggest secrets to actually sticking with it. And you'll hear how one person cut their spending in half by doing one simple thing. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com\/free.   What We Cover Here's a little of what we cover in this episode: The real reason 80% of budgets fail (it's not discipline) Why most people who say they budget actually don't The one habit that helped someone cut spending by 50% without changing anything else The credit card rule Linda and I follow that keeps us out of trouble The "gotta have it now" tax you're probably paying every month Why a miserable budget is a broken budget The Amazon cart trick I use to stop impulse buys   Resources Mentioned Real Money Method course True Financial Freedom course   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support. ","author_name":"SeedTime with Bob and Linda Lotich","author_url":"https:\/\/seedtime.com","html":"