StudiogicYour budget tracks categories. It does not track the gap between your paycheck and your fixed expenses. That gap is where broke lives.
You do not have a spending problem. You have a month that is four days longer than your paycheck.
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Don't invest your emergency fund. Keep 3-6 months of expenses liquid before putting money into the market.
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Budget. Debt. Net worth. One spreadsheet. No formulas to write. Enter the numbers and see where you actually stand. Five dollars.
A budget built on last month's spending is already broken. Last month already happened. The budget needed to exist before the spending did.
Your co-pay, your FSA balance, your deductible reset date. None of those are in your budget. All of them will hit your account this year.
Knowing you overspend on food does not stop you from overspending on food. A hard category cap does something a feeling cannot.
Gay CurmudgeonI never could have retired at fifty, had I not always driven compact cars and purchased all my "teacher clothes" at Goodwill. Cheapness pays. 1995. #cheap #beingcheap #thrifty #beingthrifty #thriftiness #thrift #parsimonous #parsimony #moneymanagement #frugal #frugality #beingfrugal #teacher #teacherclothes #suits #menssuits #suit #threepiecesuit #threepiecesuits #paintings #oilpaintings #budget #savingmoney #savings #moneymanaging
You do not have a spending problem. You have a visibility problem. Most people do.