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[quote=Anonymous]I've got a steady paycheck.   I know how much I spend annually on things - utilities, house stuff, kids, gifts, clothes, medical, taxes, etc.   Annually, usually between Jan 1 and tax time, I download all the transactions from my bank and credit card to quicken, and I can see how much I've spent on each category.

So I know how much I can spend on a monthly or annual basis without breaking the bank.   If there is something large - new windows or something, I save on the house expenses category for a few years, to save up enough for the large purchase.  Or I look at how much we have in savings and investments, and decide if we can swing it now.

Mortgage is my only debt.  I pay the credit card in full each month.

I also have a savings plan, going up to age 67.   So I can plan and track large expenses like new cars, major house repairs, and the cost of college as I go on (these are financial goals).   It's a large spreadsheet with rows for bank accounts, investment accounts, value of house, mortgage balance, etc.   So long as that keeps getting larger each year and meets goals for retirement, I feel like I'm on track.  And I can see where I've come from - started it at age 25, am now 45.  [/quote]

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