I don't. I am naturally (very) frugal, so I know I live within my means. I purchase whatever I convince myself is worthwhile, and that is still lower than my i

I don't. I am naturally (very) frugal, so I know I live within my means. I purchase whatever I convince myself is worthwhile, and that is still lower than my income w/ acceptable buffer. I literally do the opposite of budgeting (specifically do NOT look at finances, other than to pay cards off / balance portfolio). It's glorious. I highly recommend it. I appreciate that this is the complete opposite advice than from everyone you have ever heard from. But the peace of mind, freedom, agency.... It's incredible. Everyone obsesses over what they can afford, trying to justify purchases etc. - And when you are able to remove that sort of thing from the equation, I feel it helps to make correct decisions, and then enjoy those decisions more. *Edit: Now I think about it, I treat it exactly the same way as I do with media. I don't watch depressing news if it isn't valuable to consume it. I curate my media and make sure that it suits me and maximises enjoyment+productivity.