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Reply to "Do you have a budget?"
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[quote=Anonymous][quote=Anonymous]Yes, definitely have a budget. HHI 195k. I agree with the PP who wrote about a budget just telling your money what to do. I also listen to Dave Ramsey - and I'm a 30 something year old Democrat and black woman. His financial advice is solid. I truly believe that no matter how much you make, you have to know exactly where your money is going. When we spend our allotment for a category, we generally stop spending. There are times when we tweak it and move money around to cover unexpected expenses, etc. (Not just serious expenses, but fun ones too, like brunch with friends). But, we can do that comfortably b/c we're not overspending every other month. I'm very surprised at the amount of people who don't have a budget that responded. [/quote] How do you just stop spending when you reach your allotment? What if you needed something?[/quote]
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