My budgeting is not so defined that we can only spend $X on groceries, or $X on entertainment. However, I realize that the less I spend the more I have for retirement, or paying off debt, or saving for a Disney World vacation. My budget reflects my (our) priorities.
If I have anyone sitting in front of me complaining they don't have money for $X, then I challenge them on how they are working to accomplish that goal...or if it is a true goal. Do you really value your daily latte, more than the satisfaction of paying off debt, saving for retirement, or not having a balance on a credit card? For me the answer is no. If they really value the latte, but not the vacation...then stop complaining about not having $X for vacation!!
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