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comment by ThurberMingus
ThurberMingus  ·  149 days ago  ·  link  ·    ·  parent  ·  post: Pubski: April 25, 2018

    Any needless suffering that can be avoided?

Once I finished school and got a better job I put everything I could on autopay and kept that checking account about double the typical monthly costs. That way I don't have to worry about being late on anything.

As far as budgeting, we are lazier than we should be. We keep track afterwards, but don't have any pre-allocated budget categories and we don't save specifically for big infrequent costs and just keep a bigger emergency fund.