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If you have income automatically set aside for investments and savings, you already have a lightweight budget in the form of "I set aside X% or $Y every month a
by mathgeek 4y ago
If you have income automatically set aside for investments and savings, you already have a lightweight budget in the form of "I set aside X% or $Y every month and the rest is discretionary."
- fassssst 4y agoThat’s the best way to live, I don’t like micro-managing myself.
- 1-more 4y agoI’ve dieted down to different weight classes for sports and tracking everything is pretty miserable. It works when there’s a single date up ahead. I can’t imagine micromanaging finances like that indefinitely. I’m with you: expenditures are about some number, savings for a house downpayment is about some other number, and that’s enough for me.
- ehnto 4y agoThis is more than most people have in my experience, if this is all the budgeting prowess you can muster then you are potentially ahead of the pack already.
- wisnoskij 4y agoThat works for you because nothing or anything would work for you. I am in the same boat, a budget would serve no purpose for me other than encouraging me to spend more. For the people who need a budget, they would just run out of money completely before their next paycheck and either get kicked out of their apartment, or dip into their savings.
- nunez 4y agothis is literally the financial equivalent of "if it fits your macros"