Re:Ask HN: How do you manage and budget your monthly income
by cheese_van on Saturday January 02, 2021 @11:54AM
(#25614107)
Not an answer to your question, but rather an observation regarding budgeting:
I daily document my account balance to the penny, which unexpectedly acts (for me) as a brake on superfluous spending.
Simply the act of penny-wise documentation compels the need to be aware of spending. Having merely a spreadsheet and a budget app, that framework encouraged me to compare my current day balance with the previous month's day, and provided a visual reward when my balance was higher.
In sum, maintaining granular data about my account led to good things.
I daily document my account balance to the penny, which unexpectedly acts (for me) as a brake on superfluous spending.
Simply the act of penny-wise documentation compels the need to be aware of spending. Having merely a spreadsheet and a budget app, that framework encouraged me to compare my current day balance with the previous month's day, and provided a visual reward when my balance was higher.
In sum, maintaining granular data about my account led to good things.