Thread: Do you budget?

Sure we budget. Hubby has a spread sheet that is updated a couple of times weekly to track our expenditures/debt (no, he isn't an accountant) but it makes a huge difference. We are 17 years from retirement and we no longer have a mortgage, very little other debt and have emergency savings. Starting this about 5 years ago was the best thing we ever did. I was just commenting to him the other day that the one thing they should teach in school is how to manage your money because all of us tend to learn the hard way!