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10 sats \ 0 replies \ @SpaceHodler 10 Apr \ on: Do you keep a budget? Personal_Finance
I don't budget.
I keep what I need to pay my bills, and put most of what remains into bitcoin, which is probably around 60% of my income.
When I decide I want to buy something discretionary, I add it to my wish list. I revise the wish list periodically, remove some things from it, reprioritize them, and occasionally, when I feel it's high time or it's justified, I'll buy something. For example, a new thermostat, mattress or fruit tree to improve my citadel, make it more efficient, productive etc.
Keeping items on the wish list for months or years gives me plenty of time to think whether I really need them, and allows me to benefit from the ever-falling prices.