When you’re having trouble setting a budget and sticking with it, call a friend. According to a recent study from the UW, close friends or family may be better at helping you set a budget and stick to it than a financial planner. They know your habits almost as well as you do, so they can help you find methods that stick!

I know, I know.  Do you really want to share your deepest personal financial info with a friend? Will they secretly judge you? But the study’s authors said that any costs of sharing the information are balanced by the benefits you get in return. Just be sure to choose someone you trust with this kind of personal information.