How do you manage to stick it out long term with budgeting? I use YNAB in periods for my economy. And every such period, they usually last 3 months to 1,5 year or so, my economy is in amazing condition.

Then I forget about if for a while, sometimes I find it a bit cumbersome and lose track. Suddenly I stop using it, and at that point I start splurging on stuff I really shouldn’t.

So then I start budgeting again… rinse and repeat. It’s a stupid cycle I’d like to get out of. Any tips and ideas, how do budget pros in here keep at it?

  • WoosterEnglish
    2·
    9 months ago

    Yeah, I think I remember reading that when paying cash the areas of the brain that register pain are activated in ways that paying with ‘convenient’ methods don’t.

    Personally, I pay via credit card, and pay that off weekly—so I’m never caught off guard with how much I owe. Probably not the greatest thing in the world regarding a credit score, but it keeps me on top of my finances.