How strict is your budget?
Do you record every Latte or is you budget merely a guideline?
I have a friend that puts cash in envelopes for every category that she can use cash (groceries, dining out, doctor's visits, haircuts, etc.). When the envelope is empty, that's it!
I tried doing that but it felt kinda silly. So I guess my budget it a guideline but I would like to figure out a system that's a little more strict.