{"id":510,"date":"2025-02-25T21:28:55","date_gmt":"2025-02-25T21:28:55","guid":{"rendered":"https:\/\/diyinvestinghub.com\/?p=510"},"modified":"2025-02-25T21:28:57","modified_gmt":"2025-02-25T21:28:57","slug":"why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work","status":"publish","type":"post","link":"https:\/\/diyinvestinghub.com\/it\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/","title":{"rendered":"Perch\u00e9 la maggior parte delle persone fallisce nel fare il bilancio (e come farlo funzionare davvero)"},"content":{"rendered":"<p class=\"\">Budgeting is one of the most <strong>talked-about<\/strong> yet <strong>least-followed<\/strong> personal finance habits. Everyone knows they <em>should<\/em> have a budget, but very few people actually stick to one. According to a 2023 survey by Debt.com, while <strong>85% of Americans claim to have a budget, nearly 40% admit they don&#8217;t always follow it<\/strong>. If budgeting is such a fundamental tool for financial success, why do so many people fail at it?<\/p>\n\n\n\n<p class=\"\">The truth is that traditional budgeting methods often set people up for <strong>frustration, guilt, and failure<\/strong>. The process feels restrictive, time-consuming, and unrealistic for real life. But there\u2019s good news: <strong>budgeting doesn\u2019t have to feel like financial punishment<\/strong>. With the right approach, anyone can create a system that actually works and leads to long-term financial success.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Why Traditional Budgeting Fails<\/strong><\/h3>\n\n\n\n<p class=\"\">Many people abandon budgeting because they make one or more of these common mistakes:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Budgets Feel Too Restrictive<\/strong><\/h4>\n\n\n\n<p class=\"\">One of the biggest misconceptions about budgeting is that it means <strong>cutting out everything fun<\/strong>. Many traditional budgets focus on aggressive saving and cutting back on \u201cunnecessary\u201d expenses like dining out, entertainment, or vacations. While saving money is important, a budget that feels like a <strong>financial diet<\/strong> is doomed to fail.<\/p>\n\n\n\n<p class=\"\">Just like crash diets, extreme budgets often lead to <strong>burnout<\/strong>. People follow them for a few weeks, then slip back into old habits, feeling guilty for \u201cbreaking the rules.\u201d Instead of creating a budget that\u2019s <em>too<\/em> strict, successful budgeting strategies prioritize <strong>balance and flexibility<\/strong>\u2014allowing room for both essentials and enjoyment.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. People Underestimate Their Expenses<\/strong><\/h4>\n\n\n\n<p class=\"\">Many budgets fail simply because people <strong>aren\u2019t realistic<\/strong> about their spending. Small, recurring expenses\u2014like subscriptions, takeout meals, or impulse purchases\u2014can <strong>quietly drain hundreds of dollars per month<\/strong>.<\/p>\n\n\n\n<p class=\"\">For example, a 2022 survey by C+R Research found that the <strong>average American spends $219 per month on subscription services alone<\/strong>\u2014often without realizing it. When budgets fail to account for these small but frequent expenses, people end up overspending and abandoning their financial plan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Tracking Every Penny Feels Exhausting<\/strong><\/h4>\n\n\n\n<p class=\"\">Traditional budgeting approaches, like the <strong>zero-based budget<\/strong>, require you to allocate every dollar to a specific category and track all transactions manually. While this method works for some, many people find it <strong>overwhelming and unsustainable<\/strong>.<\/p>\n\n\n\n<p class=\"\">According to a 2023 Bankrate survey, <strong>44% of Americans say budgeting is too time-consuming<\/strong>, leading them to give up entirely. If a budgeting method feels like <em>more work than it\u2019s worth<\/em>, people won\u2019t stick to it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. Irregular Expenses Throw People Off Track<\/strong><\/h4>\n\n\n\n<p class=\"\">Unexpected costs\u2014like car repairs, medical bills, or home maintenance\u2014are a major reason why budgets fail. Many people <strong>only budget for monthly expenses<\/strong> and forget about <strong>annual or surprise costs<\/strong>, forcing them to dip into savings or go into debt when these expenses arise.<\/p>\n\n\n\n<p class=\"\">Instead of assuming <strong>every month\u2019s spending will be the same<\/strong>, successful budgeters plan ahead for irregular costs, ensuring that financial surprises don\u2019t derail their entire budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Actually Make Budgeting Work<\/strong><\/h3>\n\n\n\n<p class=\"\">If traditional budgeting methods don\u2019t work, what\u2019s the alternative? The key to <strong>successful budgeting isn\u2019t restriction\u2014it\u2019s strategy<\/strong>. Here\u2019s how to create a budget that actually works for your lifestyle.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Use the 50\/30\/20 Rule for a Flexible Approach<\/strong><\/h4>\n\n\n\n<p class=\"\">Rather than tracking every single dollar, the <strong>50\/30\/20 budgeting method<\/strong> provides structure <strong>without the hassle of micromanaging expenses<\/strong>. This system divides income into three main categories:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>50% for needs<\/strong> (rent\/mortgage, groceries, bills, minimum debt payments)<\/li>\n\n\n\n<li class=\"\"><strong>30% for wants<\/strong> (entertainment, dining out, shopping, hobbies)<\/li>\n\n\n\n<li class=\"\"><strong>20% for savings and debt repayment<\/strong> (investments, emergency fund, extra loan payments)<\/li>\n<\/ul>\n\n\n\n<p class=\"\">This approach ensures that essential expenses are covered <strong>while allowing room for personal enjoyment and long-term financial growth<\/strong>. Since the categories are broad, people don\u2019t feel pressured to track every transaction, making it <strong>far easier to stick with<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Automate Savings and Bill Payments<\/strong><\/h4>\n\n\n\n<p class=\"\">One of the most effective ways to <strong>stay consistent with budgeting<\/strong> is to <strong>remove human error from the equation<\/strong>. Setting up automatic transfers for <strong>savings, investments, and bill payments<\/strong> ensures that financial goals stay on track, even when motivation dips.<\/p>\n\n\n\n<p class=\"\">For example, a report from Fidelity found that people who <strong>automatically contribute to their savings and retirement accounts save 30% more<\/strong> than those who move money manually. By automating deposits into a savings or investment account, <strong>saving becomes effortless<\/strong>\u2014and there\u2019s no temptation to spend that money elsewhere.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Budget for Fun\u2014Not Just Necessities<\/strong><\/h4>\n\n\n\n<p class=\"\">The best budgets <strong>aren\u2019t about cutting spending completely\u2014they\u2019re about spending intentionally<\/strong>. Rather than eliminating things like vacations or dining out, a smart budget <strong>builds them in<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">If travel is important, create a dedicated <strong>vacation savings fund<\/strong> and contribute a small amount each month.<\/li>\n\n\n\n<li class=\"\">If you love coffee shop visits, set a monthly \u201cfun money\u201d budget so you can enjoy guilt-free spending.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">When people feel <strong>in control<\/strong> of their spending instead of deprived, they\u2019re far more likely to <strong>stick to their financial plan long-term<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. Account for Irregular Expenses with a \u2018Sinking Fund\u2019<\/strong><\/h4>\n\n\n\n<p class=\"\">Instead of being caught off guard by <strong>unexpected expenses<\/strong>, successful budgeters use <strong>sinking funds<\/strong>\u2014small, ongoing savings for predictable but irregular costs.<\/p>\n\n\n\n<p class=\"\">For example, instead of being surprised by a <strong>\u20ac 1,200 annual car insurance bill<\/strong>, setting aside <strong>\u20ac 100 per month<\/strong> makes the expense manageable. Other common sinking funds include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Car maintenance fund<\/strong> (for repairs and servicing)<\/li>\n\n\n\n<li class=\"\"><strong>Medical fund<\/strong> (for deductibles and prescriptions)<\/li>\n\n\n\n<li class=\"\"><strong>Home repairs fund<\/strong> (for unexpected fixes)<\/li>\n<\/ul>\n\n\n\n<p class=\"\">By planning for these expenses <strong>before they happen<\/strong>, budgets stay <strong>on track\u2014even when life throws financial surprises<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Transforming Budgeting from a Burden into a Financial Weapon<\/strong><\/h3>\n\n\n\n<p class=\"\">The biggest reason why most people fail at budgeting isn\u2019t <strong>lack of discipline\u2014it\u2019s following the wrong approach<\/strong>. Budgets that are <strong>too rigid, unrealistic, or time-consuming<\/strong> quickly lead to frustration and failure. But by focusing on <strong>flexibility, automation, and intentional spending<\/strong>, budgeting becomes an <strong>empowering financial tool rather than a restrictive chore<\/strong>.<\/p>\n\n\n\n<p class=\"\">Instead of seeing a budget as something that <strong>limits spending<\/strong>, view it as <strong>a strategy that directs your money toward what truly matters<\/strong>. Whether your goal is to <strong>save for a house, eliminate debt, or achieve financial independence<\/strong>, a budget that actually works is the foundation for making those dreams a reality.<\/p>","protected":false},"excerpt":{"rendered":"<p>Budgeting is one of the most talked-about yet least-followed personal finance habits. Everyone knows they should have a budget, but very few people actually stick to one. According [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Most People Fail at Budgeting (And How to Actually Make It Work) - DIY Investing Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/diyinvestinghub.com\/it\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Most People Fail at Budgeting (And How to Actually Make It Work) - DIY Investing Hub\" \/>\n<meta property=\"og:description\" content=\"Budgeting is one of the most talked-about yet least-followed personal finance habits. Everyone knows they should have a budget, but very few people actually stick to one. According [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/diyinvestinghub.com\/it\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/\" \/>\n<meta property=\"og:site_name\" content=\"DIY Investing Hub\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-25T21:28:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-25T21:28:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/diyinvestinghub.com\/wp-content\/uploads\/2025\/02\/478571029.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2083\" \/>\n\t<meta property=\"og:image:height\" content=\"1442\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"giulianomaestranzi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scritto da\" \/>\n\t<meta name=\"twitter:data1\" content=\"giulianomaestranzi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tempo di lettura stimato\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/\"},\"author\":{\"name\":\"giulianomaestranzi\",\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/#\\\/schema\\\/person\\\/4e3e3ceec86b6fa9febdda7743f59032\"},\"headline\":\"Why Most People Fail at Budgeting (And How to Actually Make It Work)\",\"datePublished\":\"2025-02-25T21:28:55+00:00\",\"dateModified\":\"2025-02-25T21:28:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/\"},\"wordCount\":1028,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/diyinvestinghub.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/478571029.jpg\",\"articleSection\":[\"Investing\"],\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/\",\"url\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/\",\"name\":\"Why Most People Fail at Budgeting (And How to Actually Make It Work) - DIY Investing Hub\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/diyinvestinghub.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/478571029.jpg\",\"datePublished\":\"2025-02-25T21:28:55+00:00\",\"dateModified\":\"2025-02-25T21:28:57+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/#\\\/schema\\\/person\\\/4e3e3ceec86b6fa9febdda7743f59032\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#breadcrumb\"},\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#primaryimage\",\"url\":\"https:\\\/\\\/diyinvestinghub.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/478571029.jpg\",\"contentUrl\":\"https:\\\/\\\/diyinvestinghub.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/478571029.jpg\",\"width\":2083,\"height\":1442},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/diyinvestinghub.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why Most People Fail at Budgeting (And How to Actually Make It Work)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/#website\",\"url\":\"https:\\\/\\\/diyinvestinghub.com\\\/\",\"name\":\"DIY Investing Hub\",\"description\":\"Welcome to DIY Investing Hub, the prime source for your investments and personal finance decisions, from professionals to you made it simple.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/diyinvestinghub.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"it-IT\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/diyinvestinghub.com\\\/#\\\/schema\\\/person\\\/4e3e3ceec86b6fa9febdda7743f59032\",\"name\":\"giulianomaestranzi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fd62ed795dd6fc625c66bd749fe1acc0459fb918a2f78f095b7364db41d91756?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fd62ed795dd6fc625c66bd749fe1acc0459fb918a2f78f095b7364db41d91756?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fd62ed795dd6fc625c66bd749fe1acc0459fb918a2f78f095b7364db41d91756?s=96&d=mm&r=g\",\"caption\":\"giulianomaestranzi\"},\"url\":\"https:\\\/\\\/diyinvestinghub.com\\\/it\\\/author\\\/giulianomaestranzi\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why Most People Fail at Budgeting (And How to Actually Make It Work) - DIY Investing Hub","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/diyinvestinghub.com\/it\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/","og_locale":"it_IT","og_type":"article","og_title":"Why Most People Fail at Budgeting (And How to Actually Make It Work) - DIY Investing Hub","og_description":"Budgeting is one of the most talked-about yet least-followed personal finance habits. Everyone knows they should have a budget, but very few people actually stick to one. According [&hellip;]","og_url":"https:\/\/diyinvestinghub.com\/it\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/","og_site_name":"DIY Investing Hub","article_published_time":"2025-02-25T21:28:55+00:00","article_modified_time":"2025-02-25T21:28:57+00:00","og_image":[{"width":2083,"height":1442,"url":"https:\/\/diyinvestinghub.com\/wp-content\/uploads\/2025\/02\/478571029.jpg","type":"image\/jpeg"}],"author":"giulianomaestranzi","twitter_card":"summary_large_image","twitter_misc":{"Scritto da":"giulianomaestranzi","Tempo di lettura stimato":"5 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#article","isPartOf":{"@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/"},"author":{"name":"giulianomaestranzi","@id":"https:\/\/diyinvestinghub.com\/#\/schema\/person\/4e3e3ceec86b6fa9febdda7743f59032"},"headline":"Why Most People Fail at Budgeting (And How to Actually Make It Work)","datePublished":"2025-02-25T21:28:55+00:00","dateModified":"2025-02-25T21:28:57+00:00","mainEntityOfPage":{"@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/"},"wordCount":1028,"commentCount":0,"image":{"@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#primaryimage"},"thumbnailUrl":"https:\/\/diyinvestinghub.com\/wp-content\/uploads\/2025\/02\/478571029.jpg","articleSection":["Investing"],"inLanguage":"it-IT","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/","url":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/","name":"Why Most People Fail at Budgeting (And How to Actually Make It Work) - DIY Investing Hub","isPartOf":{"@id":"https:\/\/diyinvestinghub.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#primaryimage"},"image":{"@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#primaryimage"},"thumbnailUrl":"https:\/\/diyinvestinghub.com\/wp-content\/uploads\/2025\/02\/478571029.jpg","datePublished":"2025-02-25T21:28:55+00:00","dateModified":"2025-02-25T21:28:57+00:00","author":{"@id":"https:\/\/diyinvestinghub.com\/#\/schema\/person\/4e3e3ceec86b6fa9febdda7743f59032"},"breadcrumb":{"@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#breadcrumb"},"inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/"]}]},{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#primaryimage","url":"https:\/\/diyinvestinghub.com\/wp-content\/uploads\/2025\/02\/478571029.jpg","contentUrl":"https:\/\/diyinvestinghub.com\/wp-content\/uploads\/2025\/02\/478571029.jpg","width":2083,"height":1442},{"@type":"BreadcrumbList","@id":"https:\/\/diyinvestinghub.com\/why-most-people-fail-at-budgeting-and-how-to-actually-make-it-work\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/diyinvestinghub.com\/"},{"@type":"ListItem","position":2,"name":"Why Most People Fail at Budgeting (And How to Actually Make It Work)"}]},{"@type":"WebSite","@id":"https:\/\/diyinvestinghub.com\/#website","url":"https:\/\/diyinvestinghub.com\/","name":"DIY Investing Hub","description":"Benvenuti su DIY Investing Hub, la principale fonte per le tue decisioni di investimento e di finanza personale, dai professionisti per te fatto in modo facile.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/diyinvestinghub.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"},{"@type":"Person","@id":"https:\/\/diyinvestinghub.com\/#\/schema\/person\/4e3e3ceec86b6fa9febdda7743f59032","name":"giulianomaestranzi","image":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/secure.gravatar.com\/avatar\/fd62ed795dd6fc625c66bd749fe1acc0459fb918a2f78f095b7364db41d91756?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fd62ed795dd6fc625c66bd749fe1acc0459fb918a2f78f095b7364db41d91756?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/fd62ed795dd6fc625c66bd749fe1acc0459fb918a2f78f095b7364db41d91756?s=96&d=mm&r=g","caption":"giulianomaestranzi"},"url":"https:\/\/diyinvestinghub.com\/it\/author\/giulianomaestranzi\/"}]}},"_links":{"self":[{"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/posts\/510","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/comments?post=510"}],"version-history":[{"count":1,"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/posts\/510\/revisions"}],"predecessor-version":[{"id":512,"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/posts\/510\/revisions\/512"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/media\/511"}],"wp:attachment":[{"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/media?parent=510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/categories?post=510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyinvestinghub.com\/it\/wp-json\/wp\/v2\/tags?post=510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}