> Budgeting is great, but a lot of people end up being penny wise and pound foolish. It really is a classic move that we see repeated over and over again. Your

> Budgeting is great, but a lot of people end up being penny wise and pound foolish. It really is a classic move that we see repeated over and over again. Your budget should be unique to you. Someone might look at those same services for $100 and say "to hell with it" and cancel them all, but I think a lot of people are on your side. Personally, budgeting starts from the top down. Rent, car, food, utilities, etc. Live in a modest place, own a used car, and cook your own meals are all basic ideas that can really cut costs. That's a very over simplified example, but generally, I think it's a good framework. The value gain I get out of something like Netflix or a video game absolutely trounces the value of getting take out one night (for me).