Was there a way that I could use some aspects from all of them?
Why did I have to use one method? During my time of struggle, I found a lot of different things about each of the budgeting methods that I used that I really liked. I decided to give budgeting another chance, but this time I was going to do it differently.
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At that point, gaining control of my finances took on a whole new meaning, and it was now more critical than ever that I learned how to manage my money. Then something happened that changed my life forever. I felt like if I couldn't grasp the concept of budgeting in a year, I was never going to get it. I gave up on my budgeting efforts for almost a full year. I followed every step that I was reading, so why was nothing working? MY FIRST SUCCESSFUL BUDGET I would spend hours looking on the internet, finding templates and instructions to follow, and every single time I would wind up being disappointed. I kept asking myself, “Where did I go wrong.” There is nothing worse than wanting to improve an area of your life and working hard to get there only to fail every time. The first year of my budgeting journey was a very frustrating time.
Wasn't I doing everything right? I was writing down my categories, assigning limits to each category, but at the end of the month, I would overspend in each category. I would get really excited about starting a new method, use it for about a month, and then get frustrated because I couldn't stick to it. I tried the Calendar Method, the Cash Envelope Method, Monthly budgeting, Percentage Budgeting, and the Half Payment Method. Over a period of a year, I tried every budgeting method known to man. I created my first budget in Excel in 2011, and it was a complete failure. In fact, the process of finding a system that you can stick to is a lot harder than people think. It can take years for some people to find the right budgeting method that works for them.
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