Figured out the trick to finally sticking with a budget after years of failing
I've tried every budgeting app out there over the last 5 years. YNAB, Mint, spreadsheets, the envelope system. Nothing ever stuck for more than 2 weeks. The problem was I'd get excited, track everything for a few days, then forget or get lazy and feel guilty about it. Last month in Austin I just tried something stupid simple. I wrote down my fixed bills on a piece of paper, subtracted that from my monthly income, and then set a single 'fun money' number for the rest. No categories for groceries vs eating out vs gas. Just one lump sum for anything that isn't rent or utilities. It actually worked because I stopped overthinking every dollar. Has anyone else found a weird simple hack that broke their budget slump?