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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > How to Create a Budget
 
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Drunk Johnny
Jul 8, 2013

ripvb

Hip Hoptimus Prime posted:

...I don't understand what's strange? If I budget 200 for groceries per month, and I pull out 200 cash on the first for groceries, why can't I just enter in I spent $200? I'd rather do that than enter in $186.55, then $4.00 for milk a week later? Why does it matter if ultimately I'm going to spend all $200?
I think it helps you keep track of how much you are actually spending. Also it will help control your spending. If you budget 200 for groceries and only need 150, you will be more likely to spend the extra 50 if you just take it out all at one time. If you were tracking it more precisely you will know to only budget 150 per month on groceries, and you can budget the 50 elsewhere. When you consider this over multiple categories I think you will be able to save more/budget more efficiently.

I would at least do it the long way until you have a solid grasp on how much you actually need to budget each month for each category.

Of course I just started YNAB as well and I could be completely wrong.

Drunk Johnny fucked around with this message at 21:40 on Jul 30, 2013

* # ¿ Jul 30, 2013 21:37
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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > How to Create a Budget