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      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [Jokes](/c/jokes@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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          I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
          \n
          Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It’s always best to have emergency savings.\n
          \n
          For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
          \n
          EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
          """
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        -----------------------------------------------------------------\n
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        ------------------------\n
        \n
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        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
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        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
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        Partnered Communities:\n
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        [Tech Support](/c/techsupport@lemmy.world)\n
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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
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      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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          I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
          \n
          Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It’s always best to have emergency savings.\n
          \n
          For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
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          EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
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App\Twig\Components\DateComponent {#2781
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App\Twig\Components\DateEditedComponent {#2845
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      4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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      5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
      \n
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      \n
      Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
      \n
      Partnered Communities:\n
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      \n
      [Tech Support](/c/techsupport@lemmy.world)\n
      \n
      [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
      \n
      [You Should Know](/c/youshouldknow@lemmy.world)\n
      \n
      [Reddit](/c/reddit@lemmy.world)\n
      \n
      [Jokes](/c/jokes@lemmy.world)\n
      \n
      [Ask Ouija](/c/askouija@lemmy.world)\n
      \n
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      \n
      Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
      \n
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      5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
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      \n
      Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
      \n
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      [Tech Support](/c/techsupport@lemmy.world)\n
      \n
      [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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      [You Should Know](/c/youshouldknow@lemmy.world)\n
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      [Reddit](/c/reddit@lemmy.world)\n
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      [Jokes](/c/jokes@lemmy.world)\n
      \n
      [Ask Ouija](/c/askouija@lemmy.world)\n
      \n
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      \n
      Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
      \n
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        \n
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        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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          I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
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          Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It’s always best to have emergency savings.\n
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          For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
          \n
          EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
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        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [Jokes](/c/jokes@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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          I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
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          Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It’s always best to have emergency savings.\n
          \n
          For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
          \n
          EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
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        **Rules: (interactive)**\n
        ------------------------\n
        \n
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        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
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        [Jokes](/c/jokes@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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          I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
          \n
          Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It’s always best to have emergency savings.\n
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          For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
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          EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
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        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
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        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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          I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
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          Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It’s always best to have emergency savings.\n
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          For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
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          EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
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