StudiogicKnowing 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.
Budget. Debt. Net worth. One spreadsheet. No formulas to write. Enter the numbers and see where you actually stand.
Net worth is the only number that does not lie. Income lies. Spending lies. Net worth just sits there.
If you cannot name your take-home pay after taxes, 401k, and insurance deductions, you do not have a budget. You have an estimate.
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You do not have a spending problem. You have a structure problem. The money exists. The system for keeping it does not.
Go-financeDid you know you can pause your SIP temporarily instead of canceling it?
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The gap between your gross salary and your take-home pay is where most people's budget math breaks down.