I think I'm somewhere in the middle.
We put together a budget before every paycheck. We line out the expenses, the expected expenditures (new "x" or whatever), and ongoing items like groceries and utilities, also plan on putting some into savings. All sounds well and good because the plan is the plan, except when I'm wasted and need some fucking taco bell, to hell with the spreadsheet.
I have a 401(k) but do not actively manage it. At this moment I do not have any investments outside of my retirement account, but I'd like to start in the near future.
We never use debt for anything except the house, and we're paying extra every month on that to get it down also. I posted on this site a few years ago that I was broke all the time, 80% of my money went to bills, etc. Since then I've paid off most of my debt, including all credit cards, no car payment, and only two student loans left. Getting all that done is entirely due to setting up a budget and (more or less - see above ) sticking to it.
---------- Post added at 01:57 AM ---------- Previous post was at 01:54 AM ----------
ha! found it
http://www.tfproject.org/tfp/general...ml#post2711692