The killer for me was working out how much time I was spending playing Excel Warrior and how much it was “making” me and realizing that I was working in my free time for Pennie’s.
that is what keeps me from getting into all this detailed finance management or worse trading, likewise any other side business that could earn some money but just isn't the kind of work i want to do.
making a budget is useful, as is tracking your expenses, but that's about it for me.
making a budget is useful, as is tracking your expenses, but that's about it for me.