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In response to
"oh yah, tracking is the first step I always recommend to anyone looking to have a better handle"
by
b.
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I maintain a spreadsheet at work that goes out several months to help me gage how a purchase will affect the long run. -- (edited)
Posted by
sycor
Nov 25 '15, 12:52
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And I always put month in savings for a buffer and to save for larger purchases. And I have a separate discretionary fund that I use for random fun purchases, like Lego and other randomness.
Have the bankruptcy has been a blessing and a curse. It sucks not having credit but it makes me play closer attention to things.
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