Budgeting will literally change your life and shine a light on your stupidity with your income.

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Yes, it will. I've been using a budget for years and I'm actually able to save money consistently every single month with no issues. Now, because of it.

Yep only did my first budget 3 months ago. Game changer for my finances.

I still buy dumb shit….. but I recognise it

The important thing is that if you need more money, you know what you can cut back already.

What’s your preferred method/process for budgeting and reconciliation?

I use everydollar, I don't pay for the premium though. if I spend any money it's logged, if money comes in it's logged.

YNAB "you need a budget"

until you don't need to #stacksats