Anything and Everything

My approach to budgeting is generally rigorous because I only have a limited amount of income and I make the most of what I have.

I prioritise essential items like food and bills, leaving a small amount for luxury items. I don’t smoke and rarely drink alcohol and have a limited social life.

It may be an austere life, but I am retired , and even taking into account finances, indifference and poor health makes me prefer to enjoy home comforts.

That in essence is how I budget and feel that it suits me totally.