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RE: Small steps to financial improvement

in LeoFinance • last year

I'm also practicing financial discipline. From my experience, the most important tools are budgeting (as you say - pay yourself first) and setting ambitious financial objectives. I don't see much value in tracking expenses as long as you stay within the allowed budget.

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         last year 

        Did you feel a difference when you have started budgeting?

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               last year 

              Before budgeting, I was saving too much, and then I realized that we should also enjoy life, without feeling guilty for wasting resources. This was the greatest change. With every money I make, now I allocate budgets accordingly to a plan that makes me happy (including budget for fun-and-toys)

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