Fake It ’Til You Make It
If you find yourself in an endless circle of self-criticism (“I’m a terrible budgeter. I can’t manage money.”), you’re creating a self-fulfilling prophecy. Instead, tell yourself the opposite: “Every day I’m getting better at budgeting. It’s only a matter of time before I’m back on track.” Then, start to take baby steps to get back on budget. Soon, your track record will reflect your inner soundtrack.