I was a totally frugal child who was very careful about spending, but I'm less good at budgeting and financial planning as an adult. Part of it is that I learned money management from a hyper-organized ISFJ who will spend one whole day each month on this stuff. I don't have the time or patience for that level of detail. I also have tended towards carpe diem spending over rainy day planning, which becomes more risky as I get older. Don't get me wrong--I have a 401K with matching, I have a savings account, I have good credit. But I have very inconsistent spending from month to month, and I am lousy at keeping track of this in such a way that I can see and change where money is being wasted. So, I want to hear your strategies, ingenious approaches, ways to make and follow a good budget that allows for a lot of flux without agonizing penny-counting.
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