StudiogicBudget. 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.
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.
trading#{{selectedStrategy.split(':')[0]}} #{{experienceLevel}}Traders #SwingTrading #DayTrading #PositionTrading #RiskManagement #TradingPsychology #MoneyManagement #TradingCommunity #TraderLife #ConsistentProfits #TradingSuccess (8/8)