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Money and Finances
Reply to "Do you have a budget?"
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[quote=Anonymous]I sort of have a budget. I'm not sure if this is a budget or tracking but here's what I do. When I get paid, my paycheck is split into 3 accounts. 1 - Long term savings, 2 - short term savings, and 3 - monthly expenses/spending $. I'm only spending the money in account 3 regularly. I pay bills first, then buy almost everything using a credit card and pay it off every couple of weeks using the money in account 3. I sometimes spend more on the card than I have in the account, but that seldom happens. When I do, I cut back on things for a week or two to make up the difference. Examples - walking/metro instead of taxi, cooking instead of eating out, put off a hair cut until the next month, diy mani/pedi. On vacation, I consider eating out as part of the vacation expense and I pull from my short term savings to pay for it. [/quote]
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