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Re:Ask HN: How do you manage and budget your monthly income by sobriquet9 on Saturday January 02, 2021 @09:59AM (#25613208)
I don't have a budget in traditional sense (Excel table with spending categories and amounts allocated for each, with regularly updated actual spent amounts). I just look at the balance of my checking account when I get the statement. If it goes down month over month, I know I need to cut spending.

Everything else is automated: scheduled transfers to savings, recurring mortgage payments, autopay for credit cards, etc.

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