Favorite Lazy or Anti-Budget? (Pimp your blog)


#1

I’m big into starting small and unoptimized on things and then iteratively improving the process over time. I find it really helps long term adherence.

I’m going to do a blog post next week about a lazy budgeting style I’ve been using, but I’d also like to share alternatives.

If you’ve got a blog post/vlog/podcast episode where you detail a super simple budget system you use I’d love to share it in my post.

Paula Pant’s anti-budget comes to mind.


#2

Budgets are not sexy.

Yes, @J.Money knows about this.


#3

Here are a couple I like:

http://www.apathyends.com/iterate-way-financial-mastery/ from @ApathyEnds

http://centsiblyrich.com/how-gratitude-helps-you-spend-less-money/ from @CentsiblyRich

And here’s an article of mine that I think is kind of one facet of budgetting (because it’s easier to break down smaller aspects than deal with everything in one go, IMO) http://tortoisehappy.com/2016/10/06/save-money-treat/


#4

Glad you liked it and I appreciate you sharing it!


#5

Thanks for sharing, @tortoisehappy! :slight_smile:


#6

Haha, and then there are failures like me that, well, just don’t budget at all…

I guess that’s a pretty lazy budgeting style, right? :grinning:


#7

Hey @sethdrebitko - great topic! Here’s mine - see if it helps in anyway. :slight_smile:


#8

Oh lots of great suggestions so far. Can’t wait to start digging into these.


#9

I don’t have a post yet (I’ll probably write one someday) but I go with the “artificial environment of economic scarcity” approach from The Millionaire Next Door. I set my investing goals, automatically withdraw them, and pay all expenses from my checking account.

I have used a detailed budget in the past for a year when I was trying to increase my emergency fund/pay off debt. But other than when I have a large short-term goal I find the automatic method to work better for me.


#10

there’re lots of really great saving tips on this website https://www.mycheckweb.com/. For example, the article *25 Ways to save money by NOT being normal https://www.mycheckweb.com/25-ways-save-money-not-normal/. Check it out


#11

This post hits on how we don’t budget like Dave Ramsey. :slightly_smiling_face:


#12

I used a prepaid card and give myself an allowance every month direct deposit. that way i never go over and i feel like i saved when the balance gets really high… like hey you, you haven’t been that spendy…good job! then when i’m ready to readjust i have an idea of what i’m NOT spending every month…


#13

I don’t budget. I’m too lazy and feel it’s too much effort. Besides, I can’t predict what I will want to spend money on a month in advance.

But I track religiously. And don’t have a spending problem at all.