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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. Like you, we tend to be thrifty, so don't need it to keep spending in check. We put almost all our expenses on Amex, so our monthly statements serve as a check & balance to make sure our overall spending levels haven't changed. I recently found a list of financial goals my husband and I made when we were newlywed 15 years ago. It was totally off base on predictions of how much we would need to save for various activities. [/quote]
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