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re: YNAB question...overspending for large purchases
Posted on 6/26/22 at 10:06 pm to Realityintheface
Posted on 6/26/22 at 10:06 pm to Realityintheface
quote:
I don’t need a budget because I have self control to not put me in a jam. I don’t need to micromanage my day to day spending because I sacrificed when I was younger for a better tomorrow.
What a dumb take. Even the rich and wealthy budget and track their finances.
Posted on 6/26/22 at 10:08 pm to TheOcean
Looks like it cost $15 a month
Seems like a good cost to cut lol
Seems like a good cost to cut lol
Posted on 6/26/22 at 11:33 pm to Realityintheface
quote:
I don’t need a budget because I have self control to not put me in a jam.
Who said budgeting was strictly for avoiding putting yourself in a jam?
quote:
I don’t need to micromanage my day to day spending because I sacrificed when I was younger for a better tomorrow.
You do you. I like having eyes on exact numbers.
quote:
The future has come and it ain’t bright for the vast majority and now they want to cry. Well, that was their choice. I have zero sympathy.
Wtf are you even talking about lol
Posted on 6/27/22 at 7:44 am to thelawnwranglers
Most people blow $15 in two days on Starbucks coffee
Posted on 6/27/22 at 7:46 am to Realityintheface
quote:
All accomplished through your own hard work and sacrifice
I started my businesses with about $10k to my name and $100k in student loan debt. So yes, I'd say there was a lot of hard work and sacrifice.
eta: budgeting is important for everyone...I was going through lifestyle creep, so budgeting has helped get me back on track. I also feel way more in control of my spending
This post was edited on 6/27/22 at 7:50 am
Posted on 6/27/22 at 8:03 am to TheOcean
quote:
Well, I'm already a multi millionaire in my early 30s
and your discretionary budget is 600/month.
EL
OH
EL
Posted on 6/27/22 at 8:18 am to j1897
Actually it's $400/month. Single, no kids.
Posted on 6/27/22 at 12:57 pm to Realityintheface
quote:
I don’t need a budget because I have self control to not put me in a jam. I don’t need to micromanage my day to day spending because I sacrificed when I was younger for a better tomorrow.
I hope this isn't piling on, but this is an awful take. Everyone is on a budget. Elon Musk is on a budget. Regardless of your "self control", a person might use YNAB to keep a good handle on things and figure out where spending might be too high or help manage ongoing expenses with spending goals, savings goals, etc. Some folks use it as a substitute for a check register.
Some do all of the above. Contrary to your implication that only financially irresponsible folks would use such a tool, my experience is that YNAB is a valuable tool to enhance an already stable financial situation.
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