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Reply to "Is it ok not to have a financial plan?"
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[quote=Anonymous]So DH and I are both poor planners. But we’re relatively conservative spenders and know how to live within our means. I do our taxes through TurboTax. We have the basics set up- a 401k through DH’s job, and have started college funds for the kids, have emergency spending money, and will have our house paid off by next year. After that, the only debt we will have is DH’s student loans. We never had a budget, or planned out our expenses, and rarely do we even talk about our finances together. Do you think this is ok? We are doing fine financially. But when I hear about others talking about tracking and planning expenses for the year and following a budget every year- it makes me wonder if we should be doing the same and if there is som great benefit to doing that. Because honestly it seems like a lot of work, and neither of us would rather not bother if it’s not necessary. Thoughts?[/quote]
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