That 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 sp

That 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.