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Why You’re Not Budgeting Consistently Even Though You Know You Should… – Ep. 41
Logically you know you should have a budget and budget consistently right?
Right. But do you do it?
On a regular basis… Ehhh… For most, I see that it’s not actually happening. Why is that? Why do we not do what we know we need to and how do you get past this so you can create those unstoppable finances you dream of?
In today’s episode, we’re talking about 5 strategies that you need to embrace to move forward consistently without fear, overwhelm, or stress. You can do this and we can do this together!
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Breakthrough Intensive Session: https://aimeecerka.com/breakthrough
Money Masters Inner Circle Academy: https://aimeecerka.com/academy
What’s Next? – https://workwithaimee.com
Connect On Instagram: https://instagram.com/aimeecerka/
Podcast Keypoints
0:00 – Intro
2:08 – Tracking Expenses
2:58 – Pressure To Get It Right
3:58 – Feeling Guilty About Your Spending
5:19 – Budgeting To Pay The Bills
6:40 – You’re Just Barely Getting By
8:05 – Breakthrough Intensive Session
10:20 – Recap
Frustrated that you aren’t making the progress that you should within your finances? Create an unshakable money mindset with the Money Mindset Mastery Checklist
Read It! Why You’re Not Budgeting Consistently Even Though You Know You Should… – Ep. 41
Logically, you know, you should have a budget and budget consistently. Right? Right. But they do it? on a regular basis?
For most, I see it’s not actually happening. Why is that?
Why do we not do what we know we need to and how do you get past this so you can create those unstoppable finances you dream up.
In today’s episode, I’m sharing five strategies that you need to embrace to move forward consistently, without fear, overwhelm, or stress. You can do this and we can do it together because this is the Your Money Your Life podcast, where ambitious women come together to have clarity, prosperity, and confidence with their money without sacrificing precious time and well deserve fun. So let’s do this!
Welcome to the Your Money, Your life podcast. I’m your host, Aimee Cerka.
After my husband and I faced three major financial roadblocks in the last six years, I felt like I wasn’t doing all that I could and I had let my family down. It always felt like life was a struggle like I had to work harder than everyone else. It just came easy to them, and I didn’t feel worthy of success.
Until a coach helped me see the successes in our experiences instead of our failures. This allowed me to create and implement systems to grow our network by 200,000+ while spending time with my loved ones and on my priorities. Now I help motivated women create the happiness, family life, financial security, and long-term wealth they deserve.
If you’re ready to eliminate stress, struggle, frustration, and guilt within your finances, you’re in the right place. Welcome, I’m so glad you’re here!
Welcome back, we’re talking about budgeting today and why you’re not budgeting consistently, even though you know that you should be budgeting, right?
Tracking Expenses vs. Budgeting
So the first thing that I see come up that like why you’re not budgeting consistently, is because you’re tracking expenses. So you kind of feel like you’ve kind of got it covered, you kind of know what’s going on, right?
But tracking your expenses is not budgeting. Budgeting is proactive. Tracking expenses is a part of your budget, but it’s done reactionary, it’s done after the fact. When we’re budgeting, we’re proactive.
So if you’re just tracking expenses, you’re on the right step, or on the right track, but you’re not quite there yet. Okay.
Overcoming Overwhelm
The second thing that I see, hold, ambitious woman just like you back with budgeting, even though you know you should, is overwhelm.
We know, there is a lot that goes on. And there can be a lot of pressure within that within your finances.
So you know, get it right, it can feel overwhelming to try and get started. That hardest part of anything that we do is that very first beginning part. And when it feels overwhelming, we end up finding something else to do. So we’re not working on the thing that we need to because it kind of got scary and overwhelming. And then we just go do something else.
Again, if that’s you, that’s perfectly fine. Obviously, we want to improve. But there’s nothing we can do about what was done in the past. So there’s no point in beating yourself up over it.
Dealing with Guilt and Judgment
The third thing that I see come up that keeps people from budgeting, even though we know that we should be budgeting is guilt and overwhelm.
So if you’re feeling guilty, or if you’re overwhelmed about what you’re spending money on, you’re not going to keep doing it because we don’t want to face that. So A, there’s no guilt. There’s no judgment, there’s no shame. It’s your money your life, right?
You get to spend money on what you prioritize. These things that are important, are important to you. Like there’s a reason for that right. And there’s nothing wrong with it.
There’s nothing wrong with this quote-unquote, air quotes here, mistakes that you’ve made on the past. There’s no guilt, there’s no judgment, but often we put that on ourselves because we feel we should have been better. That’s fine.
Here’s what it is we just have to move forward. So if you’re feeling guilt if you’re feeling judgment, and that’s why you’re not moving forward within your finances, while you’re not budgeting consistently, again, there’s no use and beating ourselves up over it, but we can move forward.
And I’m going to share resource with you here in just a minute when we get to the end, okay.
Budgeting Beyond Bill Payments
The fourth thing that I see come up when like, why you’re not budgeting, even though you know you need to be budgeting is you feel like budgeting is just to pay the bills.
Like I pay the bills, so we have a budget, or we’re good, or there’s, we’ll get to that in a second. We’re budgeting just to pay the bills.
Again, that’s not budgeting, budgeting is setting the intention of what you want to happen with your money. So if you’re not setting the intention, somebody else will we talked about this several times, like, you have to set the intention of what you want to happen with your money.
So if you’re just tracking expenses, or you’re just paying the bills, you’re not budgeting, you’re just doing the minimum that you need to to get by, and we often can co-spy on that. Because the bare minimum that we need to get done is getting done.
But that’s not the way that we create abundance, I’m not the way that you create that confidence. It’s not the way that you create the wealth, it’s not the way that you create those strategic systems that are the best way to have that long-term financial success. We can’t just get by.
Budgeting When You Feel Underearning
Which brings me to the fifth thing that I see, come up. While you’re not budgeting, even though you know you that you need to, it feels like you’re underearning, like you don’t make enough. Maybe it was barely enough to get by maybe it’s not enough to get by. And like we’ve been there done that, again, no guilt, no judgment.
If you’re in that space, it doesn’t feel like it makes a difference. And it can bring up overwhelm, it can bring up guilt can bring up judgment when you try and do these things. And there’s not enough there. I get it.
But that’s when it’s probably most important to actually budget and to actually budget consistently when you’re in those tough times.
And there’s ways that we can do that. And there’s ways that you can set that up to help remove some of the overwhelm the guilt, the judgment, all those things that you’re feeling. Because it doesn’t have to be that way those strategic systems that we can put in place to create that long-term financial abundance that you’re looking for.
It starts now, it’s not the one-day thing, we don’t have to figure something else out.
Taking Action Now
First, we have to wake this step now. So if one of these five I think a column strategies in the beginning or only strategies, five things here, if you find yourself doing one of those, and you’re like, “you know why like that is me.” Like, I know, I should have a budget and I should budget consistently. But like, that thing is holding me back. Now that you mentioned it Aimee that is holding me back.
So if that’s you, I’m about to go on maternity leave, right I would do it at the end of the month, but I know how important this time is.
Breakthrough Intensive Session
So right now, for the next couple weeks, I am offering what I call the breakthrough intensive session.
So one time 90-minute session to help get this system in place. We all work together live, we’ll set up the process set up the system so that you can budget consistently. Like you know that you should, but we won’t have the stress, we won’t have the overwhelm. There’s no guilt, there’s no judgment.
Again, we’ll get it all set up, you’ll have the system in place that you need to, to create that long-term financial abundance.
If, you’d like to grab one of those spots. Um, check out the link in the show notes. It should be aimeecerka.com/breakthrough. But check out the link in the show notes. It’s there for you, just to make sure it’s accurate, and then if you’re listening to this later after this goes live.
Of course, I’ll open up slots again after I’m back from maternity leave and we can always set that up then.
Basically, as we get towards the end of the month. When we will be due, we’re going to have we’re prepping podcast you’re going to have, have weekly episodes, I’m still going to be showing up delivering value. But the only way that I’m really working with clients is if you’re a private client, or inside the academy.
So if you’re like, Hey, I know I need support, go ahead and reach out now take action now that way you can get that in place. Because you know, time is important and I don’t want you to lose out any more time.
Making Budgeting Simple for Everyone
So we talked about five things that you might be doing. Even though we know that we need to budget, we need to budget consistently.
So the first one was you could be just tracking your expenses instead of actually budgeting.
The second one we can be getting stuck and overwhelmed land the
Third, we’re not budgeting because of guilt or judgment coming up.
The fourth one was we’re not really budgeting we’re just paying the bills.
So it might feel like we’re budgeting but we’re not really setting the intention beyond making sure the bills are paid.
And then the fifth one was if you are underearning and you don’t feel like it’s gonna make a difference so we’re not budgeting there.
So you’re ready to make now the time that we turn this around, make sure to check out the link in the show notes for a breakthrough intensive session.
We’ll see you next week on the Your Money Your Life podcast bye for now!
Connect With Me
Thank you so much for listening to the Your Money Your Life podcast. My favorite place to hang out is on Instagram. You can find me at @aimeecerka. Send me a message or post a screenshot and tag me! I love hearing from podcast listeners
When you’re ready to master your money, go to https://workwithaimee.com. You and I will work together to ditch financial stress and struggle for good with a customized plan that works for you, your goals, your priorities, and your life. I’ll see you next time on the Your Money Your Life podcast.
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