Ah, that fresh new budget smell. You know the one – it’s laced with the good intentions of making a commitment to spend better. You might print it out and stick it to your fridge, or simply vow that you’ll live by it faithfully from now on.
Of course, after the honeymoon period, there’s a slip-up. Not a big one, but something that makes the importance of your budget diminish just a little. Over time, it slips your mind more and more, until soon, that well-intentioned budget is completely forgotten because it was just too hard to stick to.