Do I want to budget? No. Do I have to budget? Maybe. Should I budget? Yes. But can I budget? Yes. How does it work? Well you are right now on this blog seeing an evolution of a non-budgeter. You will see if it happens or not.
Why? Because there are a couple of things at play. First off I have never budgeted. I hate budgeting. I keep a rough budget by "pay yourself first" and then spend the rest. I never actually tracked categories but rather had I could spend $3500 on CC and that was it. So a rough budget but I wouldn't be able to tell you categories.
Now I am trying to see where my money goes and how I spend it. I am keeping a rough budget in the sense that I am trying to curb my eating out and groceries. But I know that many places say before you can keep a budget you need to track your spending for 3-4 months to get a feel for what you are spending on. That I think is a key thing. I have a general idea and rough feeling for spending I did. But for us we are doing this because our income change dramatically and we need to live differently. So I think this will be an evolution for us. As we learn how we spend and rein it in becuase of our income.
Also now that we are taking over escrow and refinancing things are going to change more. I dont' know if others struggled or worked this hard but I will say it's harder than it used to be.