Finally caved and tried the 50/30/20 method after 4 years of winging it

My wife kept pushing it every payday, so I set aside $0 from our $2,400 paycheck for fun money and suddenly had $180 left over by the end of the month, how do you split your wants when the wants are the whole problem?

2 comments

2 Comments

carr.gavin24d ago

Yeah, I used to think budgeting was pointless too, but that leftover cash totally sold me on it.

james_kim23d ago

Read somewhere that most people who track their spending for a month are surprised by how much goes to little stuff... like coffee runs or snacks. That's what got me into it actually. The leftover cash at the end of the month felt like a bonus I didn't know I had. Now I just check my app once a week, takes two minutes. It's not about being strict, it's just seeing where things slip away...