Season 2, Episode 3 - Doing a budget it easy ... Sticking to it is the hard part!

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Hands up who has done a spreadsheet budget at home, our even paid a company to do one for them and "take control" yet they find themselves back at square one in struggle again, or they continually find themselves deviating from what they put on their money spreadsheet?  I will totally put my hand up to that, because I've been there and done that and if you have too, this episode will really get your mind ticking over.It's a combination of behavioural science in humans, habit discussion, money management and budgeting - WITH realistic tips and suggestions to get a hold of it right now.  That’s why most people who do a budget don’t end up saving.  The man behind the mic in this episode is Matt Hern.  Matt has advised people for the last 15 years on the right financial decisions to achieve their goals, working as a Certified Financial professional.  Now he offers money coaching to teach people a system, thats extremely personalised to them with their habits and behaviour surrounding money.  He creates a system that automates their budgeting and supports them while they embed new, healthier habits.This podcast discussion brings into it a topic which is so important, as a parent which is the next generation and how they might not listen to us, but they definitely copy us - Making the relationship we have with money and how we behave with it  vital for their ability to manage their money successfully in the future and become financially independent adults.  And as my podcasts are at the moment, we talk about Coronavirus and the impact it has had on individuals and the economy as well as what the future financial reality might be.  A possible controversial deviation of the idea that a personas individual financial income and savings can impact the global financial market.  The more debt a person carries the more they borrow and the more they need financial aid, putting resources there as opposed to other areas that may be needed.  It's a good ending to spice up the podcast and your experience at home in social isolation!!Matt makes a very good point, which sums the whole podcast up and that is that - Often we assume that struggling to stick to a budget is our fault. It’s not a character flaw, it’s a design flaw in the systems we’ve tried.I highly recommend you taking the opportunity while your at home with more time than you have had before to benefit from his free mini-guide "How to stick to a budget" which is available when you subscribe to his newsletter via his website link below:Website: https://matthern.com.au/Facebook: https://www.facebook.com/matthern/Instagram: https://www.instagram.com/matthern_moneyguide/ LinkedIn: http://www.linkedin.com/in/matthernYouTube: https://www.youtube.com/user/mattatfindre/