After a while of using a budget, we can learn many things about our spending, and immediately see what areas we need to change to stick to our budget. We may see that we actually spend too much in entertainment, eating out in restaurants, or attending sports events with high ticket prices. We may also see, for the first time, that we are spending more in our loan payments than we probably should be, and perhaps we need to change the loans or pay them off in order to improve our financial picture.