No. of Recommendations: 5
At this point, I really don't need to do a budget.....I actually should be spending more.

I find myself agreeing(!) with tele. By this stage in the game, you know how well (or poorly) your typical outlays match up against your income. First, you build up a cushion for emergencies, a new roof, whatever. Once you have a cushion, if outlays are consistently up near (or beyond!) the red line, figure out where you can pare back and then do it. If not, then just keep doing what you've been doing.

If you find yourself unable to build that cushion, then take an ax to your monthly expenses. E.g., after writing here recently about chopping our monthly cable TV and internet bill from $100 down to $25, I learned that other people routinely pay $150 to $200--or more!--and don't give it a thought; but then many of them wonder why they have money issues. My decision had nothing to do with "budgeting." I could easily afford $200/month cable TV. But I don't want to. The value for the money simply isn't there, for me. If you can afford it and value it, no problem. If not, fix it and move on.
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