Creating a budget can be difficult. But why is it even more difficult to stick to a budget? A few years ago, I was in the same boat most other people are in. Budgeting was difficult. I felt like I was overspending on a lot of different things. I would research different tips and tricks for how to manage my money better. Nothing seemed to work. My debt kept climbing and my savings kept dropping. What’s worse is that not only was I making decent money, but I was putting in honest and real effort to better my financial life.