It’s easy enough to put together a simple budget with limits you can adhere to, but sticking to the same plan might cause some problems. Male issues blog Ask Men points to a study in the Journal of Marketing Research that suggests that if your budget becomes a habit, you’ll get bored of it and be more likely to stray.
The study shows that after time, your partitioning system will become a habit. Normally that would be good, but in this case you’ll pay less attention to what you’re doing. And if you pay less attention to your [budget]partitions, you’ll pay less attention to how much you’re consuming. Translation: Just like with physical exercise, you’ll get bored and want to quit.
So how do you vary things up? Set new savings goals more frequently. Make some long term and some short time. Consider allocating more money to one section of your budget and less to another to try enjoying that interest more. Play around with it every few months to try and keep things more interesting. If you get bored with savings—and presumably that’s pretty easy to do—it’s not going to make it any easier.
How to Partition Your Budget [Ask Men]