I’m 45 and I’ve spent more time on my diet (in the form of sodium and calorie budget(s)) than any sort of financial budget.
That said, my vices are relatively inexpensive, my jobs have generally paid very well, and I do check my various accounts without being prompted.
I think personal budgets (including my dieting) are best thought of as attempts to solve specific problems, not some sort of mandatory / expected behavior.
If you are getting dinged with overdraft fees or CC interest etc., a budget might get you to a better place than you are on “just vibes”.
I’m 45 and I’ve spent more time on my diet (in the form of sodium and calorie budget(s)) than any sort of financial budget.
That said, my vices are relatively inexpensive, my jobs have generally paid very well, and I do check my various accounts without being prompted.
I think personal budgets (including my dieting) are best thought of as attempts to solve specific problems, not some sort of mandatory / expected behavior.
If you are getting dinged with overdraft fees or CC interest etc., a budget might get you to a better place than you are on “just vibes”.