Quote from: Dave1 on Today at 02:58:14 PM

Quote from: radjie on August 30, 2023, 04:52:56 AM

Sometimes expenses are difficult to predict every month, even though we have detailed everything, there are always urgent needs that require us to incur additional costs
Perhaps the most important thing is to get into the habit of saving a fixed amount every month, so that we can have reserve funds when needed, and are always productive in seeking additional financial input, so that we can meet our main needs.

That is so true, that's why we really need to put everything down and so that we can manage some expenses and maybe put aside money for that one as we really don't know what the future holds.

Saving is not that really hard, it's that for some, we have impulse to buy anything that we don't actually need. And that's why we really commend people who can actually save money whether in banks or crypto just like the majority of us and have the mental discipline.

Unexpected expenditure we can track actually with some conclusions from the previous months that became the basic material for the reference for the budget, so this returned to you where to save it for unexpected events that cost the previous time to be moved to the following month .
And honestly, budget planning is just a picture of it, it does not mean that fix expenditure for the next month so do not be fixated on the budget, it is only made for your limits in spending the next month, naturally many unexpected expenses, but should In the budget you can shift it and / or postpone it to cover the unexpected budget.

To regulate income is difficult, how much productivity you are, but the most important thing is in financial management, and financing budgets, for certain economy classes that have income limits or minimal salary count should not exaggerate desires that are not useful, it is better to use resources to fulfill That desire is to develop yourself and deepen your abilities so that your position is better if you have a deep ability in the field.

Quote from: WillyAp on Today at 03:10:49 PM

Saying to have discipline is easier than actually leading a disciplined life.
I know a lot of people who claim to be disciplined but cannot change their eating habits.
As many times we lie to ourselves.

Discipline or consider is not easy, because many people suggest to do it and require time in forming their habits, but it's okay, little by little, the longer you succeed in the discipline of a thing, then also apply to other things So that you have good discipline, especially in finance.