AND I WILL FUCKING TELL EVERYONE HAPPY KWANZAA, MERRY CHRISTMAS, HAPPY HOLIDAYS, FELIZ NAVIDAD, HAPPY HANUKKAH, OR WHATEVER FUCKING GREETING I FEEL LIKE USING
I have accounts for travel, house expenses, utility bills, groceries, car expenses, and fun money. Each of them gets part of my paycheck. Every couple of months I take a look to see if things are getting out of whack.
The best part is that I can be an idiot and overspend with the fun money account. If I spend it all, there’s absolutely no repercussions, since everything important is already safely in different accounts.
Also, when car expenses (or vacations) roll around, I already have money put aside for it.
Pretty much this. I get the “you don’t know what the bad guys will criminalize next” argument, but I have a hard time seeing it, when it comes to my browsing patterns.