You are reading a single comment by @greeno and its replies.
Click here to read the full conversation.
-
I do still categorise my payments though just to see what I’m spending on. I use the smiley face entertainment category for booze only. It’s quite scary how quick that one can add up. But I don’t touch the budgets. I just want to know if my overall monthly spend is on track as im going.
At the end of the month I then transfer any surplus into a savings pot. Wish I had Monzo when I was in my 20s...
greeno
spenceey
So all i'm budgeting on there is my 'fun money' to an extent. As all my bills (phone, internet, mortgage) are already classed as committed spend?