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108 sats \ 0 replies \ @frostdragon 7 Mar \ on: Do you keep a budget? Personal_Finance
Kept a meticulous home made spreadsheet budget when my expenses were week to week / month to month, but not so much anymore. Instead I have separate checking accounts that I load up twice a month with set amounts for different types of expenses.
For example, food/gas is a checking account that gets X amount on the 1st and 15th. Bills is a checking account, and that's easy enough because I know what those are going to be every month. Other less frequent expenses are loosely categorized into a few other other checking accounts that slowly increase with each pay day.
Sort of a digital "envelope method", so I'm still keeping track of what is going where.