Unless you have built up a considerable emergency fund, going over your budget can be an incredibly stressful experience. After all, despite the wide availability of credit and lending options, money is still a finite resource and you wouldn’t want to borrow from some lenders due to shady practices and hidden, high-interest fees anyway.
How to Recover After Going Over Budget
If you’re anticipating going over budget in the near future or you’ve already blown your budget and you’re trying to recover your financial stability, here are some steps to take to gain some peace of mind:
Don’t Drag Yourself Down
First things first: getting angry with yourself or your partner or your circumstances won’t help anything. Remaining calm and being able to clearly discuss your financial reality are essential when you’ve been dealt the first blow of an underestimated budget. Rather than dragging yourself and/or your family down with stress-driven reactions, you should immediately focus on the objective components of the situation, including:
- Missing your target budget doesn’t make you a bad person or a financial failure.
- This is only temporary (remind yourself of this consistently).
- You will overcome this and prepare better in the future for potential circumstances similar to your current one.
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When I was 
Spending less than you earn
