My only budgeting is to earn much more than I spent so I don’t have to think too much about it. That means that I live quite frugal and other than food don’t really buy much on a regular basis.
Even though I’m in the same category (currently spend less than half), this approach isn’t viable for everyone. Some people work hard and long, but just have too high expenses by just existing. You can’t really be frugal on rent and basic food, you need something.
My only budgeting is to earn much more than I spent so I don’t have to think too much about it. That means that I live quite frugal and other than food don’t really buy much on a regular basis.
Even though I’m in the same category (currently spend less than half), this approach isn’t viable for everyone. Some people work hard and long, but just have too high expenses by just existing. You can’t really be frugal on rent and basic food, you need something.
For sure, it took me 20 years to get there myself.