I haven’t created one … EVER! I am now debt-free (through lots of help from my parents and putting almost every paycheck towards that) and continue to be.
The budget I somewhat have? I get to grab a coffee (from 7-11, the best coffeehouse ever) twice a week before class and I never eat out. I rarely shop and I check my balance religiously. I tried operating on a budget, but it wasnt working. This, although it is not too structures, works for me.
I bring breakfast and lunch 90% of the time, I make dinner EVERY night and I dont buy merchandise every time I see it and like it.
It works for me, it works for now. :) 2 years ago