14-11-2016 09:00 PM
Actually thinking about it more, I also "budget" by looking at my bank account, how much went in in the last month vs how much went out... if i spend as much as i earned or spend MORE than i earned... i know i have a big problem! If I am about 20 percent a month under what i earned... so if i earned 1000 bucks spent 800 bucks and saved 200 bucks then I consider that as doing okay. And I try and save a bit more than that when i can
14-11-2016 09:05 PM
14-11-2016 09:07 PM
So from my perspective I don't think it's defeating the purpose at all, unless the only reason someone's changing it is contradicting what they originally set out to do by making it in the first place.
14-11-2016 09:10 PM
I usually set myself personal rules like, no cash-no purchase (although I broke that rule today, don't tell anyone ) and then every now and again I'll take money out so I have cash. But I definitely put more money into savings then I spend.