>>513715438
Unless you literally forget something budgeting should be straight forward, but remember the budgeting is only half the battle. I cannot stress how insanely important it is to maintain a buffer for unforseen costs like car repairs, or larger discretionary spends (like vacations, major purchases, lending money to family). The amount necessary varies from person to person, but the critical point is to have some savings you deem reasonable, and building that cushion and NOT eating into it for discretionary purposes out of temptation, yeah it can be fucking tempting when you're working hard, and want to reward yourself with [whatever] and hey there's 5k or 10k or whatever in your checking account, might as well do [whatever] and then get slapped with major auto or home issues before your next paycheck arrives. Cannot stress this enough, build a buffer, and don't fucking use it for non emergency shit. Also pay off your credit card balance in full monthly, use it as a debit card for all purchases, never ever partial pay or get charged interest, this'll build your credit score, and keep your hard earned cash out of the hands of filthy userers
