Do you track your expenses monthly? Annually? Do you have an app or do you use an excel spreadsheet? Any suggested tools?
I use a spreadsheet and track monthly.
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Controversial take - no budget. Split income into 3 or more buckets - savings, critical bills (rent, utilities, debt, etc), and discretionary. I manage as separate accounts.
Spend discretionary freely and enjoy the peace or mind that your financial future is secured by the first 2 buckets. If you run low, rice and beans til next paycheck.
No need to track coffee expenditures, you’ll realize during rice and beans week that you can make it at home.
Your mileage may vary.
I made a simple budgeting web app: https://github.com/MattMckenzy/Casheesh
My wife and have used it almost every day for the past couple of years to give ourselves and track fun budget money. It’s been working really well!
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