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Reply to "How do you budget for something you can already afford?"
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[quote=Anonymous]I've never really "budgeted" per se. We max out retirement and put a decent amount in college savings, are halfway through a 15 year mortgage, and don't spend frivolously in general. We take nice vacations and eat out when we feel like it. One thing I do is move $1000 from checking to a "vacation fund" every month. But it's more so when I spend it, I can move it back to checking to keep my balance pretty flat even with a larger than normal credit card bill. I do the same with a "car fund" so I can eventually pay cash for a new car. For the vacations, it may keep me close to a $12k/year budget but if I overspend that amount, I don't worry about it too much.[/quote]
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