I strongly agree with vinceguidry. When there's a recession the advice I give and follow is invest in yourself. Learn new things, become better, heck, go to the

I strongly agree with vinceguidry. When there's a recession the advice I give and follow is invest in yourself. Learn new things, become better, heck, go to the gym seriously. In short, put yourself head and shoulders above the rest of the flock (them being your competition, for a gig, a job, etc). That being said I really don't think budgeting will have the same effect... But my motto is "whatever works". Furthermore you're not advocating against improving oneself but saying that you should do that AND budget. So I'll try that for the second half and 2016 and for 2017 and keep you posted at the end of 2016 and at the end of 2017.