Budget realistically and make sure to include the things you like to do for fun or to treat yourself. If you’re budget feels too restrictive, you’re less likely to stick to it over time. Set a dollar limit for your fun activities and/or treats and work that into your overall plan. It may need to be a bit flexible… and likely the first thing to go on months you’re tight… but its better to allow yourself the wiggle room up front than rob from essential categories like housing, food, or debt re-payment when you’re in a jam.