jen7233
DIS Veteran
- Joined
- May 1, 2005
On another thought with those unused or underspent budget categories, I like to have a little padding in my regular checking which can sort of be considered a mini emergency or extra fund so it doesn’t bother too much that I don’t have a name for every dollar as I figure unspent is saving in a sense, or money that can be allocated later on as a need or want comes up. I still have an allocated amount to savings at the beginning of the month, considering savings categories and Roth IRA that are factored in. Also, no matter what I’ve been as I mentioned going over in something, it’s never perfect category spending for me. I also tend to sometimes skip a monthly detailed budget because I hate getting into the weeds of things sometimes, but the months I do that I divide in three categories by savings, bills, living expenses. This year I’m trying to do a monthly detailed budget the whole year.