Do you want to hear one thing that zaps your budget quicker than anything?  Mindless spending!  This happens first and foremost when you don’t have a plan but then from there can be caused by several different things.  You could be spending from a place of boredom or emotion, you could be buffering some deep rooted feelings or even procrastinating.  I often encourage people to do a little mindset work along with journaling.  You may think that is absolutely ridiculous and has nothing to do with budgeting or money management but I beg to differ.  As you journal and continue to go deep, peeling away layer after layer you may be surprised at what you find hiding as the root cause. 

If you need help getting started with this or learn which method would be best for you, please don’t hesitate to reach out.  I’m happy to help you.