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Reply to "How do you budget your money?"

I use a spreadsheet and budget by paycheck. I budget to pay all my bills and fund my savings/retirement accounts.

I also have multiple savings accounts set up for various types of savings: car, vet bills, fun/vacation,  short-term bills, medium-term bills, emergency, retirement, etc.  It's easy to set these up online.

I use automatic transfers set up to move all my money around when my paycheck is received. Anything left in my checking account is mine to spend for the pay period.

I probably spend 1/2 -1 hour per pay period to check in on things and then I'm done. This is a combination of several financial authors that I have read over the years and it works for me, which is the most important thing. What works for other people may not be exactly the right fit for you.

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