My issue is that I am free to spend a lot more than I should send. I gain from savings and investment accounts that force a greater percentage of my burn to be routed into savings.
And for certain spending goals to be created for certain things: birthdays, xmas, tax, holidays, rent etc. Basically sandbox money used for future transactions.
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Basic financial planning is easy. Just avoid spending more than you make. Doing so while also planning for future costs (gifts, holidays, tax, retirement, etc) is harder.
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Particularly when some costs are unexpected or variable. Some form of personal 'sink fund' would perhaps also be useful.
End of conversation
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