Do Personal Finance Yourself.

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The only reason you need a budget

I don't use budgeting to put limits on every cost in my life. I use it to monitor the cost of things that don't matter to me, so that I have more for my FAVORITE thing: live music. This means putting some major guard rails around my spending on everyday meals and commuting.


The reward? Instant happiness each Friday when I come in under budget. Figure out what your "happy category" is and spend selectively on everything else.