Re: Do You Budget?
Yes we do. Jesse's youneedabudget.com. I do make slight alterations as the month goes along, but the important stuff like retirement savings and taxes, etc. are all on automatic deducts. Usually it's grocery, gasoline or spending money that will take a minor hit if something unexpected pops up which happens less and less often as I track & anticipate better. Something not so minor comes out of the mini-emergency fund that I have in savings. Then for a major fall-back there is a major-emergency fund which is the year salary backup.
However, the word budget always had negative connotations for me for so long...when I got my brain around of the concept of a 'SPENDING PLAN' things finally started to click!
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