varfor wrote: »
Hey fruitloop - I’ve been doing zero-based budgeting for a few years now and would definitely recommend it. It’s important to keep checking where you’re at throughout the month though. It can be easy to fall into a habit of budgeting after you’ve spent too much! I use YNAB which is really good but has a monthly fee.
I find OPs more pleasing but if you neglect retirement savings you could have a much harder task to building up the required amount (lost time and potential compound interest). It’s definitely worth looking into!
yogavibes wrote: »
Hi fruitloop - totally agree about looking at where you are and adding a bit of paint to the walls. I'm a bit crazy on redecorating as I love how having a nicely painted room looks - it usually always does the trick of making me love where I am for minimal amount of money spent on paint!
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