I don’t follow any rules of thumb. I simply don’t buy anything I don’t absolutely need. I guess I do have a small rule: don’t sweat the small stuff. If I don’t

I don’t follow any rules of thumb. I simply don’t buy anything I don’t absolutely need. I guess I do have a small rule: don’t sweat the small stuff. If I don’t really need it but it makes my life easier somehow then I will buy it without sweating over it. Everything is saved by default. Investments auto topped off. Credit cards auto paid. The only thing I do is occasionally review my subscriptions to see if there’s anything I can do without. All withdrawals and deposits over 500$ are sent as notifications and I can swipe them away quickly.