dirtbiker
Full time employment: Posting here.
- Joined
- Apr 11, 2019
- Messages
- 630
How do you do your household budget? If you use more than one budgeting method, which one is your primary budgeting tool?
I admit that I am lousy at sticking to a budget, but I'm good at saving, which sounds mutually exclusive. However, we do this by paying ourselves first. We automatically contribute to our 401Ks, IRAs, brokerage account, and vacation fund with every paycheck, and then we 'budget' by spending what's left. We've adjusted our 'budget' several times by increasing our contributions and then adjusting our spending accordingly. We've tried to do a formal budget several times, and have failed miserably. I've come to accept that this just isn't for us.
I'm just curious how people here budget. See poll.
I admit that I am lousy at sticking to a budget, but I'm good at saving, which sounds mutually exclusive. However, we do this by paying ourselves first. We automatically contribute to our 401Ks, IRAs, brokerage account, and vacation fund with every paycheck, and then we 'budget' by spending what's left. We've adjusted our 'budget' several times by increasing our contributions and then adjusting our spending accordingly. We've tried to do a formal budget several times, and have failed miserably. I've come to accept that this just isn't for us.
I'm just curious how people here budget. See poll.
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