While a budget can help you control spending and avoid debt, only a minority of people actually stick to a regularly updated budget.

In fact, 73% of Americans say they don’t regularly follow a budget, according to a recent survey by OppLoans, a loan servicing company. What’s more, 1 in 10 respondents say they don’t keep any sort of budget at all. OppsLoans surveyed 1,015 people across the U.S. earlier this year.

But that’s OK, says Aja Evans, a licensed mental health counselor who specializes in financial therapy.