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Abby Bailey, an occupational therapist, sells her budgeting templates on Etsy for $5 each as a “side hustle.” Says Bailey, “If you’re writing it down yourself, you’re like, ‘Oh, maybe I should spend less.'” She is shown here in Kahn Park with the template, in Philadelphia, Wednesday, Nov. 8, 2023. (Jessica Griffin/The Philadelphia Inquirer/TNS)
Abby Bailey, an occupational therapist, sells her budgeting templates on Etsy for $5 each as a “side hustle.” Says Bailey, “If you’re writing it down yourself, you’re like, ‘Oh, maybe I should spend less.’” She is shown here in Kahn Park with the template, in Philadelphia, Wednesday, Nov. 8, 2023. (Jessica Griffin/The Philadelphia Inquirer/TNS)
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Financial advisers and researchers report that they have found that people are more likely to stay in the habit of budgeting if they do at least some of the work themselves.

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