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Reply to "How do you budget for something you can already afford?"
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[quote=Anonymous]We budget for savings targets - retirement, 529s. We keep our emergency fund / available cash at a certain amount. After that, we just use our checking accounts for what we want. When our checking accounts (his, hers, joint) get over a certain amount, we sweep it into our investment account. For everyday things like clothes and furniture, we use checking. For something like a vacation over $10-12k, buying a new car, or buying a nearing conditioner, we look at our accounts and decide where the money should come from. Then we replenish any emergency/cash accounts as needed. For something like a car that we will purchase in cash, we will talk about it 3-12 months out and start rearranging money and/or spending less to account for it. [/quote]
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