I don’t give myself a monthly or yearly budget – I just keep an eye on what’s coming in and how much needs to go out for day-to-day things like groceries, rent, student loans, etc.  I use my debit card about 95% of the time, so I only buy what I can afford.  (The only time I use a credit card is like my Nordstrom card to get points, then I go home and immediately pay off the balance.)

-- Christine

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