5 Ways to Hold Yourself Accountable to Your Budget

When it comes to properly managing your finances, a budget is the best tool you can use to guarantee your success. It is your roadmap to tell you how to get to your desired goal in a timely manner. Contrary to popular belief a budget doesn’t limit the amount of money you can spend, instead it gives you direction based on what you tell it to do.

Despite this unrestrictive control everyone has, it is still a difficult feat for some to stick to their budget. The following are five ways you can hold yourself accountable.

1. Create Affirmations

Affirmations are a great way to achieve any goal. They keep in your mind’s eye what is most important and transport those ideas to your subconscious. Put them in your smartphone as an alarm in the morning so that as you begin your day, you are reminded as to what your goals are. For example, if you have a financial goal of saving $5,000 this year to invest, your affirmation could be, “I am so happy that I have saved $5,000, I will use and spend this money wisely to grow my net worth.”

2. Limit Your Access

Many people falter on their budgets because the access they have to their money is too easy. Separate your bill account, savings account, and spending account. Automate all of your bills to your bill account, automate your savings into your savings account, and what is left over goes into your spending account. Managing your money in this way removes the temptation that you undoubtedly will have to use money for other purposes.

3. Track Your Spending

Most people who don’t stick to a budget don’t really know where they went wrong. It is usually small unplanned expenses that do the most damage. When you track your spending consistently, you are creating a mechanism that will hold you and every dollar accountable. As you spend and subsequently track your spending, you can assess where you are unnecessarily spending and stop as soon as possible.

4. If You Can’t Stick to Your Budget, Change It

You are in total control of your budget so, in order to hold yourself accountable, you need to face the fact that if you can’t stick to your budget, then you must change it. Whether it is by decreasing expenses or increasing income, focusing on how to recreate a budget that will be more suitable to the lifestyle you want is imperative. Don’t assume you will fail at something that you have the power to change.

5. Find an Accountability Partner

Sometimes holding yourself accountable requires some reinforcement. Because of competition or the fear of letting someone down, having an accountability partner is a powerful tool in trying to stick to any financial goal. Creating a system that allows you to have periodic check-ins on your budget can go a long way. Whether it’s a friend, a significant other, a financial coach, or co-worker, align yourself with someone who can help you stay the full course of sticking to your budget.

We want to hear from you! What are some other helpful ways that you can hold yourself accountable to your budget?

  • Afsi Siahkoohi

    Wow. This story is one of my favorites you’ve published so far. It seems so real and the author had a great way of painting the picture. Thank you for sharing.

  • Sarah

    I’ve been reading the Everygirl since the launch and this is by far the most powerful piece you all have published. I think a lot of lifestyle blogs today shy away from stories like these and reading this really moved me. Takes this blog one step further to being more all-inclusive. Kudos!

  • Powerful story. Thank you for sharing! What an accomplishment for her that she was able to overcome addiction and attend a prestigious school like SVA!

  • What an inspiring story of hope and courage. Thanks for sharing!

  • Denise

    Wow, what a great and powerful story! I’m so glad you were able to find your happy outcome. Thank you for sharing with us, Anais! 🙂

  • Couldn’t help but tear up reading this. Congratulations on your sobriety Anais. I have been a witness to the devastation addiction can cause. My own mother has battled an addiction to alcohol for the past 14 years. She finally got help about 8 years ago. I’m happy to hear about all of your success and growth…

  • lookseelove

    Thank you for publishing this story. there is something so humbling and grounding about this piece. such a great break from all that seems perfect.

  • I admire your bravery, Anais! Your story is one of courage, and it’s so awesome that you shared this with others. I’m sure you’ll touch the lives of many struggling with an addiction.

  • msenesac

    Thanks for sharing your story!

  • instantphoebe

    I agree with everyone else — this was such a powerful piece.

    I really loved the bit about her little brother washing his stuffed animals. It was both heartbreaking and adorable at the same time!

  • mp

    Really wonderful article. Great writing — such connectedness.

  • Atsuko Myshak

    This is truly one of the stories from Everygril inspired me. I also struggle with one addiction, but I believe now that I can overcome with it and be much stronger and better person. After reading this post, my will is much stronger because now I became mother and want to be a good role model for my son and I want to continue to have happy life with my husband. They need me as much as I need them. Thank you for this post.

  • Brittany Sampson

    Amazing story and such strength you have Anais! Congratulations on your sobriety and finding the strength to get clean to begin with. I bet your little brother is enormously proud of his big sister!

    Thanks EveryGirl for putting such a powerful and needed message out there today!

  • Morgen Schröder

    You go girl.

  • Cole

    Wow! This piece really struck a chord with me. Anais, you are an incredibly strong person. Thank you for a fresh perspective on an issue that many are ashamed to discuss.

  • Josie

    Wow Anais, thank you for sharing your story! I also went to a prestigious school in New York and quite a few of my classmates were dipping and dabbling in drugs — cocaine being a favorite. Some went on and got clean and are leaving a great life now. I’m glad that you are walking forward and speaking about your life now. I’m sure your story will help many people!

    xx
    josie
    http://www.straightnochase.com

  • Jennifer Walter

    I have to say, I love love love apartments, food, fashion, etc. but this was the first story that really connected with me on a personal level. With two young kids of my own, I’m already understanding the pressures they face in school. I remember the pressures I put on myself to in school and sports to keep up, so this story is so relatable to many different people. Thanks.

  • Misha

    What an amazing and powerful story. Thank you for sharing Anais!

  • Ashley

    This story is so touching . I know so many people battling addiction and it’s really nice to see someone doing great after getting clean . Thank you so much for sharing your story ❤️

  • Love this post. I think it’s sad what a taboo subject addiction is in this country. We need to share more stories like this, of people who developed an addiction and recovered. Drug addiction does not have to be a death sentence, and the more we share that the more we can learn how important it is to help people with addiction issues. Fantastic post. I hope you guys explore more topics like this 🙂

    xoxo
    Kelly
    http://www.dreaminlace.com

  • Dani

    What a courageous truth to share with us all. Thank you.

  • Britt

    My dad is an addict and it makes me so happy to read this story and see a young woman who had the strength within herself to say “I need help” before it was too late. I am reminded everyday what addiction can lead to. Congratulations on your sobriety and all your success!

  • mom

    I am Anais’s mom and she has been a mentor and inspiration not just to her brother but to me as well. She is graced with great empathy and strength.
    Her journey has made her a beautiful person and I am proud of her every day.

  • Kimberly

    Thank you for this – your vulnerability (AKA strength and honesty) resonated deeply with me. Particularly….. “If you’re an addict, you can overcome your addiction and channel all that power into something creative or ambitious, and that achievement and power equips you to go very far in life”. So inspirational – I know this post will make an impact on many. thank you.

  • Kate Hill

    More stories like this; less paper straw photos!

  • Cher

    A very real and raw story. Hopefully it will inspire others in the same situation.

  • Amy Cochran

    What a great message of hope, beautifully written!

  • Erica

    Wow this was such a great story and it shows such bravery of the author to share it with us.

  • Lila

    thank you for your inspiring story! stay strong & i hope you win an oscar one day, Anais! 🙂

  • Garrett

    The part you talked about pacing around your room doing some every 30 mins to feel normal, that is me tonight, it is a Friday night and I’m at home in solitude feeding my addiction, I want to be done with it so bad it is destroying my life and hurting my relationships. I googled I want to quit and this was the first article that came up, most of all I just want to tell someone, ANYONE, that I have a problem it’s eating away at heart, I wish I had your courage to tell your parents, addiction runs deeply in parts of our family and I feel like my folks would be crushed I don’t know what to do. My email is [email protected]
    I know it’s not your responsibly to email every person that comes to you with an addiction but I could use some words of encouragement

  • Annie

    I’ve a couple of months clean, and I identify with ur story cause, I also started to abuse alcohol and drugs cause the pressures that were around me. I also wanted to leave that life cause I was dying and I wasn’t what my younger brother needed. This is very difficult. Sometimes I feel like I can’t anymore. I’ve thought about ending my life to not feel this anxiety, not to return to that life, to not fail my parents, my family and people who love me and care about me. It’s so hard stay strong and everything you’ve accomplished and who u are now inspired me. I am studying Political Science and I want to go on, clean, happy and keep working to become a better person.

  • PAW

    Hi, I’m confused as to how you are clean but can still drink alcohol on social occasions? I am an addict. My cocaine use went hand in hand with alcohol at the end so I have had to abstain from both. I am 5 months clean and sober and still struggling. I wish I could separate the two and drink occasionally, but from experience, it hasn’t worked for me.

  • Rick

    I really hope someone can answer these free q

  • Rick

    I really hope someone can answer these few questions I have , I first took cocaine when I was 19 I’m now 26 and have pretty much done it every weekend through out this time period . I am reasonably successful I have my own small business and very hard working but find that drink and drugs just put me at a stand still from moving on in life, I don’t mean to be big headed when I say this but I’m continually told that I’m a very good looking bloke but what I don’t understand is I’ve never really had a relationship I always wonder wether it’s to do with the drugs wether it’s changed who I am , in the week at work I’m confident but find as the week the goes on I become more and more sociable and I’m sure it’s because the affects of a cocaine binge are to do with me not being capable of holding down a relationship. But saying this I have never done cocaine whilst on a date I don’t really feel I need it to be confident I just seem to take it when with friends because I like it , but what worries me is that this last week I went our fri night stayed up until 4am went to work sat and done come to get me through the day and then this weekend done the same thing but took it all weekend to get me through so that I could drink and have a good time but still work In the day I’ve never done this before and it just makes me wonder what’s next , I’ve read posts before saying addiction just creeps up on you but what I hate is anyone that hasn’t done it would just say just stop
    Dojng it and it really isn’t that easy I hate myself so much for being in this situation because I feel I’m a good person with good morals and I just went down one wrong path which could possibly ruin my life forever , I wonder wether there really is an answer to this question I quite frankly don’t think there is I’m to far gone …

  • ChamelyMily

    Buprenorphine as Opioid Receptor Antagonist

    Buprenorphine is a semi-synthetic opioid derived from thebaine. It is a pain killer and has gained a great deal of notoriety for its ability to interrupt severe opiate addiction, including heroin and methadone addictions. It got approved in 2002 by the FDA for use as an opiate addiction treatment. Dependence on pain drugs is common but very dangerous and that is why buprenorphine is of importance in fighting opioid independence.

    Today, buprenorphine is being used in office based treatment of opioid dependent patients. Buprenorphine is a partial mu-opioid receptor agonist. Several clinical studies indicate buprenorphine is effective in managing opioid addiction and dependence. In all of the clinical tests Buprenorphine was found to be more effective than placebo for managing opioid addiction. However, it may not be superior to methadone incase high doses are needed. It is comparable to lower doses of methadone, however. When using buprenorphine, there are critical phases that must be followed. These phases include; include induction, stabilization, and maintenance. Experts advise that Buprenorphine therapy should be initiated at the onset of withdrawal symptoms and adjusted to address withdrawal symptoms and cravings. Advantages of buprenorphine include low abuse potential and high availability for office use. Disadvantages include high cost and possible lack of effectiveness in patients who require high methadone doses. Most family physicians are required to complete eight hours of training before they can prescribe buprenorphine for opioid addiction. Let’s get all the detailed facts here.

    It is estimated that 898,000 adults in the United States are opioid dependent. Treating opioid dependence as a chronic disorder improves outcomes and opioid maintenance is the most effective way to decrease illicit use in patients who are addicted to opioids. Without opioid maintenance, it will be easy for any user of opiates for pain to be an addict of the same therefore various strategies must be put in place to exercise opioid maintenance for the safety of the patients. Over the past years Methadone has been the treatment of choice in the United States; however, methadone maintenance programs typically have stringent entrance criteria, long waiting lists, and primarily are located in urban areas. It has been verified that only 14 percent of patients who are addicted to opioids are treated in traditional methadone clinics. Research from the 1970s demonstrated that the analgesic buprenorphine (Subutex), a partial mu-opioid receptor agonist, may effectively treat patients with heroin addiction.

    In the Drug Addiction Treatment Act of 2000 physicians are authorized to provide office-based treatment for opioid addiction. Through this act physicians are allowed to prescribe Schedule III, IV, or V “narcotic” medications that are approved by theU.S. Food and Drug Administration (FDA) for patients with narcotic-use disorders. In 2002, buprenorphine and combination buprenorphine/naloxone (Suboxone) was approved by the FDA to manage opioid dependence .It is therefore a legally usable drug that is available in health centers and clinics.

    How to use

    As stated earlier the Management of opioid addiction with buprenorphine can be divided into three phases: induction, stabilization, and maintenance. The induction phase includes the initial transition from illicit opioid use to buprenorphine and typically lasts three to seven days. Patient education is important during this phase and should emphasize the risk of precipitating withdrawal if buprenorphine is initiated too soon after opioid use. Generally, buprenorphine should be initiated 12 to 24 hours after short-acting opioid use and 24 to 48 hours after long-acting opioid use. It is preferable for most patients to use combination of buprenorphine/naloxone tablets. It is however advised that pregnant women who are to use buprenorphine and some patients using long-acting opioids such as methadone should use the buprenorphine-only formulation. For those who are on long- acting opioid use, the methadone dose should be less than 30 mg and the patient should switch to the combination tablet after several days.

    When the patient has shown opioid withdrawal symptoms, the initial doses should be administered under physician observation (4/1 mg buprenorphine/naloxone or 2 mg buprenorphine if the patient is dependent on a long-acting opioid). It is important for the physician to monitor the patient for precipitated withdrawal and excessive side effects like sedation). If the patient continues to exhibit signs of opioid withdrawal after two hours, another 4/1 mg dose of buprenorphine/naloxone should be administered. Patients who are dependent on long-acting opioids should receive 2 mg buprenorphine every one to two hours. The maximum recommended first-day dosage of buprenorphine is 8 to 12 mg. If the patient continues to showsigns of withdrawal, the physician may administer adjunctive nonopioid and symptomatic treatments to help the situation.

    Difference between methadone and morphine

    There are some differences between methadone and morphine. Some of the differences lie in their costs and uses. Here are some of the differences.

    Methadone is much cheaper as compared to morphine. For this reason many physicians favor methadone. Methadone also lasts longer than morphine- it lasts ten times longer than morphine. Methadone also lasts longer than morphine in the body. It takes 24 hours while morphine takes only 2-3 hours only in the body. However methadone should not be used for slight pain despite its availability and cheaper cost.

    Another difference is that methadone is excreted through urine while morphine is excreted through the liver and bile ducts before its exit in the urine.

    These drugs are also used in different situations. Methadone is mostly used after unsuccessful use of morphine or when the patient has a history of drug abuse. If tis patient is morphine it may lead to relapse hence methadone is considered safer than morphine. Morphine is addictive while methadone is not addictive.

    Here at AWAREmed we are dedicated to finding the best solutions to chronic illnesses and that is why Dr. Dalal Akoury (MD) is always in the forefront advocating for integrative medicine since it is only through integrative medicine that a person can be healed wholly. Do not hesitate to call on her for help in managing any sort of chronic pain as well as other diseases.

    Buprenorphine as Opioid Receptor Antagonist

    http://www.integrativeaddiction2015.com

    https://www.facebook.com/tamer123

  • Tiffany turman, Farmerville La

    Great Story. Gives Hope to all !!

  • My life has been so confused I’m addicted to coke and I known see so much better me the glow u have on your face is so beautiful that way I really liked your video but I my results with coke horrible nightmare type things I’ve never tapped in to something more evil my life putting that stuff my nose me being a user I think the best way to fight is to know your self exercise read meditation…

  • Wow! This is a powerful story! I’ve never had any types of addictions (not the visible ones anyway), so I probably cannot grasp accurately what you’ve been through. But I see a strong and loving woman! Thank you for sharing your story with us.

  • Wonderful Nice work

  • Is great information, I think articles like this shed light on this issue, while there are places like http://www.northpointrecovery.com and many more out there I think is still key that people with such importance as you sheds light on this matters so that more people can be aware.

  • bjorn

    good for you for kicking your addiction. I hope you realize you’re lucky you could just go to m&d and they send you to rehab. others dont have money or even family like that and are left to fight on their own. I hope you’re paying that forward.

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  • roger

    Going through same situation here in txs is cheap and especially when you live barrio. I hope I can over come demons .

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  • Duma Batole

    Visit http://www.discreetstore.us if you need some cocaine

  • Lily Calfee

    Hmmm…this is really thought-provoking. I am especially intrigued by the idea of separating spend/save/bill accounts. I automate my contributions to my savings account but have always sort of thought of bills and spending as the same. Thanks for the push to look closer at my finances.

  • DeeDub

    The concept that a budget gives you direction rather than limiting what you can spend is new to me, and totally changed my perspective of budgets. Instead of viewing a budget as a fun-hating drag, I like the idea that my budget is custom-designed by me to proactively meet my needs & goals. Thanks for sharing!

  • Afisher

    I totally think these are some great ideas, but since it’s tax season and I’m one of those few people who have to pay taxes (it happens to lots of self-employed people!), it’s ok to realize that your budget may not be exactly the same every month. While it should be considerably consistent month to month, once a year I have to pay taxes and so in March/April my budget looks a lot different than it does every time of the year. I do a lot of pre-planning but my apps and my budgeting timeline always look significantly different at that time of the year, for good reason, as opposed to every other month. As long as you keep it in mind, the rest of the year all of these tips are super helpful!

  • Sarah

    I like the concept that if your budget doesn’t suit you, change it! Too often we indulge in some self-hate because we aren’t meeting our budget, when maybe, it isn’t aligned with our priorities. Instead of decreasing your spending or making more money (which is easier said than done), maybe rearrange how you spend your money. For example, I used to find I spent way more on food than I was expecting to, but in reality going out to eat is a loved hobby of mine that I really don’t want to give up. So in exchange I’ve adjusted my monthly spending money on things like clothes since that is something I’m willing to compromise on. I spend the same, but don’t get frustrated anymore now that my budget is more aligned to my lifestyle 🙂

  • Janna

    These are really great tips! I will definitely try separating my spend/save/bill accounts. Thank you for sharing!