More Services. I am old enough to remember the days when families had one phone number. One phone number meant one phone bill. Now almost everybody carries a cell phone, and we still have a home phone. Our phone bills have doubled or tripled. We also have cable TV and internet services to pay for. These used to be luxuries, but now we rely upon them. _ Busy Lives. We are very busy these days, and it seems challenging to fit in everything we want to do.. Because of this, we tend to eat out more. When we do eat in, we rely upon expensive convenience foods. With rising prices, it is hard enough to keep the price of groceries under control. But now we are spending a lot more on food.
Creating and following a budget can be very hard work. It's so hard, in fact, that most people give up after a few short weeks, or even days. There are all kinds of reasons people give up. Perhaps the most commonly overlooked and easiest to correct has to do with the budgeting worksheet or tools they use.