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Do you create a personal budget? Do you stick to your budget or go over budget? Well, depending on the kind of expenses, sometime I go over budget, especially when I am buying things that I consider an investment.
There are times when I actually stick to it, then most of the times I don't. This is because there are so many unplanned Situations that usually comes up that I need to sort out.
I am old-school in terms of doing this. I do it for a weekly period, routinely. I need to stick with the budget plan because I am trying to prevent accrued expenses. It is better to have this as a habit.
Very rarely do I go over budget, only when there is an emergency or things like that, adhering to the budget both in expenses and investments is important to be able to achieve your financial goals.
I do budget, but also leave room for adjustments often because prices fluctuate. Most often, the excess funds go into my savings so it's a win-win for me.
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