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Reply to "We're thrifty, but terrible at budgeting, is there really a benefit to it?"
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[quote=Anonymous]We don't have a "formal" budget, but we do budget savings and set various goals. That includes separate accounts for the things we want in the future... a down payment, travel, a treadmill, etc. And then we save aggressively, with large automatic transfers into those accounts. Otherwise, our frugal system is similar to yours, and we don't have a "budget" for food, clothing, etc.--we just spend on what we need. The system has been great for us and we've got a lot more in savings than we would have if we had just been frugal without a larger plan.[/quote]
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