How do you budget? How do I budget? How to budgetmaxx?
>>62525852I don't budget besides going through my subscriptions every month or so and getting rid of the ones I don't use.
>>62525852I just don't waste money on useless or overpriced crap, except from some occasional thing. not really that difficult to do if you can control yourself and understand the real cost of things vs what company charge you for them.
>>62525852Never liked the idea of budgeting. Too stressful. Just make more money than you spend, why is that so hard for other people?
>>62525852i just buy what i want and still have half my paycheck left. you can budgetmaxx by making more money or by not wanting things.
>>62525852You should at least know exactly where your money is going. The easiest way to do this is by connecting all your accounts to a budgeting app. There are lots available but my favorite is Monarch Money. It's like $100 a year though. But I know some banks like SoFi and Chase have a free built-in option. Track your spending and then make cuts in the areas that you figure out are wasting money.
I might sound like an old lady but YNAB is by far the best option I've used, and I've used plenty. You basically create categories/subcategories for your spending e.g. Groceries, Takeout, New Car etc. then 'assign' all of your money until you hit 0. Then you know where all of your money is, and if you need to adjust you can add to some categories and take away from others. It's been genuinely life-changing bros. Unfortunately it costs about $100 a year but you can share a sub with up to 5 others which lessens the blow.
If you aren't living paycheck to paycheck, you're doing it wrong. My bank account is $0.00 on same day I get my paycheck.
>>62525852I don't do budget anymore. I live in six-figure hell so I can afford to buy anything I want whwnever I want it, but I got here by not spending on stupid shit so I continue not spending on stupid shit. No cable TV, no Netflix, no Spotify, I don't even have an Amazon account so I'm not looking at stupid shit to buy. No food delivery, no Uber rides, no expensive restaurants or concert tickets.
>>62525852if you can't hold the "budget" inside of your head you're spending too muchunless you have a fetish for numbers or something not judging
>>62530062>>62530161are you shills too retarded to look at your bank statements and put those numbers into a spreadsheet? what do you need to pay some jew app $100 for?
Make more money
>>62535419why do I need a spreadsheet when bank statement exists
