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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP how much do you make a year and how old are you? I was just like you in my early 20s. I made $70 or $80K and I just didn't really monitor stuff. I spent what I wanted and always had money left over. Then at 22, I started making real money and started tracking it. Once your income hits $200 or $300K then it gets fun to track.

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38.
Combined we make 200-250.[/quote]

If you suspect you're spending too much, but don't want to faff about with counting pennies, this method might work for you. Open a second checking/atm account- most banks offer some type of no-fee no-frills account.  Decide how much you should be spending each week on groceries, entertainment and eating out, then have that amount deposited every Monday. Use only this debit card for discretionary spending.

Nothing cures poor budgeting skills like having to do your Saturday grocery shop with a calculator because you overindulged at Starbucks and Macy's the week before. Too many well off people skip this salutary stage of financial development and never learn the lessons contained therein. [/quote]

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