/biz/ - Business & Finance

I don't set aside X amount of money for this or that, but I do track my expenses.

>>403811
Simple spreadsheet should be all you need. I'm poor but I pay everything on time and know most of my account balances to the penny.

>>403849
I do this too. I live with my parents and don't have enough income and expenses to really need to budget everything, but I do autistically record where every cent of my money is with double-entry accounting software (GnuCash).

>>403811
You've really got to be poor and value your time at almost nothing to bother budgeting your personal funds.

> saving your way to wealth

>>404089
>value your time at almost nothing

>implying it takes much time to track your income and spending

>>404134
also:
>while posting on 4chan, the time waster of all time wasters.

I wish there was an open source clone of ynab.
Gnucash is such shit.

>>404134

Posting on 4chan, while a waste of life, is a more enjoyable waste of life than writing a mundane budget, especially when it can be done mentally in a tenth of the time.

>>404263
>Keeping track of chequing, saving, retirement funds, credit cards, etc.
>All mentally
yeah, no.

>>404267

>I have no idea how I spend my money and where income goes even if it's automatically routed to different accounts

There are readily available means to do this for you.

>>403811

>>405062
this is my extremely pessemistic budget. no way i'll spend near that much each month

>>405064
I agree, I pay almost as much in rent but my total expenses for the month are nowhere near that and my income is almost as high.

How are you spending 450 a month on groceries? Are you single?

>>405074
yes, single. you're probably right about the groceries. I love my microwaveables

>>405078
enjoy your cancer

>>405231
My Grandfather smoked his whole life. I was about 10 years old when my mother said to him, 'If you ever want to see your grandchildren graduate, you have to stop immediately.'. Tears welled up in his eyes when he realized what exactly was at stake. He gave it up immediately. Three years later he died of lung cancer. It was really sad and destroyed me. My mother said to me- 'Don't ever smoke. Please don't put your family through what your Grandfather put us through." I agreed. At 28, I have never touched a cigarette. I must say, I feel a very slight sense of regret for never having done it, because your post gave me cancer anyway.