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As income levels go up, budgeting can be much more casual as you've described. You are still talking about budgeting. You are inferring that I believe all budge

• spywaregorilla 4y ago
  > You are inferring that I believe all budgeting is an act of OCD. I've said nothing of the sort. That's pretty rude to people who actually suffer from OCD. I don't personally believe checking my net cash flow every few months counts as budgeting but if you do, sure, that's a semantic disagreement.
  • wink 4y ago
    I've had this discussion countless times and maybe we've got the same problem in just not thinking in budgets. Then again I've often thought that I simply don't need a budget for X if my spending on X (as analyzed over a year, or five) is so much below of what I would put as a budget if you'd asked me to guess one. Example: If I like buying music, I'd maybe give myself a budget of 30€ for music per month, that's 2 albums. Looking at how many albums I actually buy in a typical year, or in an excessive year - I've never even come close to buying 24 albums in a year. So that thought process might have happened once, 10 years ago and until I start to earn a lot less or albums get a lot more expensive, I'll just buy as many albums as I want, and usually end up with 5-10 per year.