simple20200107

5 ms·

1. 1.▲
   by simple20200107 6y ago

   That's fair, and I hope I don't come across as crass or overly privileged, but the problem is still _what_ you are spending the money on. I could make $250k/year, budget to spend every penny, and still live paycheck-to-payche
2. 2.▲
   by simple20200107 6y ago

   T-Mobile has phones as cheap as $150 (admittedly probably not great but still work), and quality phones as low as $400 or $500 for lower end or older iPhone/Pixel models. If you don't know if you can spend $150-$500 for a minor em
3. 3.▲
   by simple20200107 6y ago

   If you take control of your finances in other ways, this system just isn't necessary. Set up automatic bill pay, set up recurring deposits into savings and investment accounts, use credit cards with the best rewards to pay for things (
4. 4.▲
   by simple20200107 6y ago

   I hope this isn't crass, but many people 1) set up automatic billpay and then 2) get out of living paycheck-to-paycheck. That combination along with some financial restraint is enough to skip complicated budgeting systems.