Quote:
Originally Posted by Monahammer
This 100%
Doing a budget seems daunting, but once you settle into it it becomes so routine and easy you honestly almost forget about it. Except you don't forget about it, because the benefits (lack of anĺxiety!) become so clear that you start becoming enamored with it.
My wife and I LOVE our budget and talking about it. It's perverse on a surface level but damn.
Most people here very likely do not need to make more money. Some do, I am not discounting that, but most probably just need to be more realistic with what they're spending on.
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Not to belabour the point, but my wife and I spend an hour of each month reconciling and reviewing our budget. Nothing is more eye-opening than seeing where the individual dollars are going, and technology has made budgeting so much easier and automated now.
Our incomes have substantically grown with time, but strict budgeting has helped us cut down on lifestyle creep. That's been the single best money-saving activity that we've consistently done over the past decade.