Many families around the world have a hard time reigning in their spending and sticking to a budget. While it’s great to have created a budget and to know approximately what you’ve allowed your family to spend on what, not sticking to that budget isn’t going to do your family or your finances much good. Luckily, there are some easy things you can begin doing today that can help make your monthly budgeting a lot more successful and keep you from overspending or relying on credit. To show you how, here are three ways you can begin better sticking to your monthly family budget.

Set Your Budget Based On Previous Expenses

If you’ve set your budget based on what you think you should be spending rather than basing your figures on your real-life spending habits, it can be extremely hard to stick to. Knowing this, Time Money recommends not setting your budget until you’ve had a few months to track your current spending. By understanding your previous expenses, you’ll be able to see how much you actually spend within certain categories. Not only will this help you make a more manageable budget, but it will also make it easy to see which areas you can afford to cut back in.

Don’t Do Everything At Once

There are a lot of different ways you can try to budget your money and spend less during the month. However, if you attempt to implement each one of these financial principles all at once, you may bite off more than you can chew. Rebecca Lake, a contributor to, suggests trying to start one financial principle at a time until you feel like you’ve gotten a hang of it. Then, bring in another principle to add to your budgeting plan. Trying to stop eating out and spending less on groceries and eliminating entertainment all at the same time can make it so none of these things end up being a success. But by focusing on just one thing at a time, you have a greater chance of mastering it.

Create Financial Goals

You likely have created a family budget because you have some financial goals that are going to take some time to achieve. One way to make it easier to achieve these goals, according to Mary Hiers, a contributor to, is to clearly define those goals. With your goals clearly defined, you’ll know exactly what you’re working for and what all your savings is helping you to attain. This can be just the motivation you need when you’re tempted to spend money on something that isn’t within your budget.

If your family has a hard time sticking to your monthly budget, use the tips mentioned above to help you begin creating good financial habits.