172. The Real Reason You Can't Stick to Your Budget

What's in this episode

Your budget keeps failing - and it's not because you're bad with money. It's because you're trying to force your real life into a generic template that doesn't account for what's actually happening. With the holidays coming up (Thanksgiving, Christmas, birthdays, parties, travel), November and December need a PLAN, not a budget. In this episode, I'm walking you through how to create a spending plan based on your actual calendar, your household's real needs, and what matters to YOU - so you can stop feeling like a failure when life doesn't fit the template. You'll learn: Why generic budgets set you up to fail (especially during the holidays) The difference between a budget and a spending plan How to plan for your actual life by looking at your calendar What to consider for November/December specifically (because these months are NOT normal) How to make intentional choices about what matters vs. what doesn't Why flexibility is key to a plan that actually works Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for W