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Money and Finances
Reply to "We're thrifty, but terrible at budgeting, is there really a benefit to it?"
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[quote=Anonymous][quote=Anonymous]OP, yes, you need a budget. You want to use it to set financial goals. How much do you want to save per year? What is your net worth goal at age 30? 40? 50? When do you want to retire? How much of your future childrens' college expenses do you want to pay for? How many kids do you want? Have you investigated the costs of childcare? Budgeting can help you with all of this.[/quote] OP here. I agree with you with respect to the major items (kids and associated expenses, retirement and soon house purchase) and yes of course we're going to plot out the major components of those expenses and allow for a significant margin beyond those costs to cover day to day needs and savings.[/quote]
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