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.
What system or method do you use for your monthly budget or personal finance?
What budgeting advice do you recommend? Money management method?
Does it even make sense to care about privacy?
Heyha !...
Fake it til you make it. (mander.xyz)