I have tried to participate in those kinds of things, but I haven't found them to be useful FOR ME.
I have a fairly strict budget and write everything down in YNAB. When the $$ for that category is gone, I stop spending for that month in that category.
If I don't spend $50 today for groceries, I will either do it tomorrow or the next day if I need to go to the grocery store anyway.
So, the benefit might be there for those who routinely spend on extras that they really can't afford, but for some of us, they aren't beneficial.
Dawn
I have a fairly strict budget and write everything down in YNAB. When the $$ for that category is gone, I stop spending for that month in that category.
If I don't spend $50 today for groceries, I will either do it tomorrow or the next day if I need to go to the grocery store anyway.
So, the benefit might be there for those who routinely spend on extras that they really can't afford, but for some of us, they aren't beneficial.
Dawn

Comment