My coworker Dave convinced me to stop obsessing over every penny

Dave showed me his budget spreadsheet last week. He said he only tracks three categories: housing, food, and fun. Everything else is just noise to him. I was tracking like 20 categories and driving myself crazy. He told me I was spending more time on the budget than actually saving money. It made me think about what really matters.

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simoncarr4mo ago

My buddy Mark tried that and ended up spending his rent money on concert tickets.

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thomasm414mo ago

Yeah the "spending rent money" part hits close to home. I've learned the hard way that if I don't separate my money into different envelopes or accounts the second I get paid, I'll convince myself I can afford things I definitely can't. What works now is I have a separate checking account just for bills that I don't even look at except to pay stuff, and another one for fun money that's way smaller. That way if I blow the fun money on concert tickets or whatever, my rent is already safe and I'm not borrowing from next month.

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