~ 10 years ago I listed to a podcast about budgeting software for private households and learned how much it can help and how much of a difference it can make. Back then I had the time and energy to try out various software and pan and budget the heck out of my monthly income. But it didn't work. I didn't manage to stay in the budget unless I planned to not ever save anything and to not ever eat right. At the time I didn't realise how much more money people in regular jobs make than me.
Now I have a proper job, but not the time and energy to plan things right unless I make it my only hobby. I could probably even save money "for later" (whenever that will be). But it's hard for me to not opt for the more convenient and less time consuming option in almost every decision. And I can't stop myself from buying nice things to make up for the stressful life that I have otherwise.
Today I'm slacking off, after a quiet day at the home office yesterday because of IT problems that shouldn't be my business and therefor prevented me from doing much work. No checking out budgeting software today either.
But I need this lazy, unproductive time from time to time. Time and time again I have to remind myself that time relaxing is time invested in my health, which will be useful at a later time. For the time being, I keep ignoring that time flies by when I spend time instinctively satisfying my basic needs instead of using time efficiently and getting things done in time.
Sorry, people whom I have promised to do or make things for. I sometimes have the time, but not the energy.
I wonder how savings richt I could be if I would seriously start to budget.