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Money and Finances
Reply to "Do you have a budget?"
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[quote=Anonymous][quote=Anonymous]270k HHI. No fixed budget, though we allocate to checking and savings based on expected monthly spending. Take from savings for anything unique/that exceeds.[/quote] This. If we have to move money from savings to checking, we know we "overspent" that month. But our savings amount is aggressive, so if we are over a little on spending, it's ok. Some months we underspend by a lot. It's hard because some things are not monthly expenses, such as real and personal property tax, home and auto insurance, which are all 2x a year. So the months those hit are big months, as are the months we buy flights or vacation packages.[/quote]
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