I have one simple approach, put a certain amount in savings each month first then I pay the rest of the stuff.
Most of my budgeting is done from a journal meaning no fancy computer spreadsheets like my ex used to do. He could show you down to the penny where the money went and he loved looking at the colorful graphs which showed the ups and downs for the month. He was or rather is a physicist so everything is science-based and often a headache to the less complicated mind! I have a simpler approach. Pay what is due and don’t overspend. Make no debts is my other rule. Living debt-free is liberating so I stick to that whenever possible.
So far it is working out pretty well and since I live in a village where clothes don’t rule the person, I don’t fork out money like I used to. Just a few simple pieces, stylish but more appropriate for the life I lead currently and it works out perfectly fine for me. Having control of my own budget is a great feeling versus letting someone else control it for you and that is one of the perks of not being married!
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