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I don't anymore. I have a monthly overall budget (a single number) I try to stick to. It encompasses all expenses except for rent. So this one number includes g
by drakonka 4y ago
I don't anymore. I have a monthly overall budget (a single number) I try to stick to. It encompasses all expenses except for rent. So this one number includes groceries as well as discretionary spending.
If I go a little over it's no big deal, but I try to stick to it. I pay myself a pretty low salary. The rest stays in my company, some as a buffer and some gets invested.
I find this solution works best for me. I'm constantly working on suppressing my impulse buying habits, but YNAB or other systems didn't really eradicate them and having this single number to aim for each month is just less stressful. I have no debt and OK savings, so I guess it's working.