RE: Small steps to financial improvement
You are viewing a single comment's thread:
I'm also practicing financial discipline. From my experience, the most important tools are budgeting (as you say - pay yourself first) and setting ambitious financial objectives. I don't see much value in tracking expenses as long as you stay within the allowed budget.
0
0
0.000
Did you feel a difference when you have started budgeting?
Before budgeting, I was saving too much, and then I realized that we should also enjoy life, without feeling guilty for wasting resources. This was the greatest change. With every money I make, now I allocate budgets accordingly to a plan that makes me happy (including budget for fun-and-toys)