One of the best ways to manage your cashflow, to start saving and investing, and also improving your financial health is by creating a budget. Sadly, budgeting does not work for a lot of people because they usually fail to stick to their budget. There are numerous reasons why people cannot stay within their budget. One common reason is a lack of commitment to follow the budget, they are not serious about it. Another reason is they set unrealistic budget, their budget is hard to follow. If you want to stay within your budget, you need to be realistic and practical, so that it is easier to follow.