Comment by fastasucan
4 hours ago
I found that doing anything too detailed was too big of a chore for what I got out, and that I didnt get much from doing budgeting.
I ended up just logging my total holding of cash and stocks spread over my different bank accounts and my investment portfolio. Doing it every few months helped me make sure that my overall holdings went up. As long as I pay off my bills and then save enough to see my holdings rise I am happy. However I can see that having a more detailed overview over your spending might help you cut down even more.
That's good enough for most people, but I also track my fixed costs over time, so I have a picture of how much money I need every month, and what could be eliminated if needed.