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I am absolute dog shit with budgeting. This is the only way that’s worked for me.
1. Open up a savings account in a separate bank 2. Create an automatic withdrawal every month whenever you get paid (some goes into the rainy day fund, some goes into the retirement fund). 3. What’s leftover in your primary spending account is a smaller amount. This keeps you accountable to budgeting 4. Pick an ideal spending amount each month and divide it by 30 days of the month. Roughly keep track of the days you spend over that amount and under that amount, trying to balance it each week.
1. Open up a savings account in a separate bank 2. Create an automatic withdrawal every month whenever you get paid (some goes into the rainy day fund, some goes into the retirement fund). 3. What’s leftover in your primary spending account is a smaller amount. This keeps you accountable to budgeting 4. Pick an ideal spending amount each month and divide it by 30 days of the month. Roughly keep track of the days you spend over that amount and under that amount, trying to balance it each week.
Nov 25, 2025