Don't Just Save to Have a Lazy Budget

Always be saving for something. Don't just save money to hoard it and to have it. No goal is the wrong goal, unless you want like, world domination or something. You'll spend less on mindless stuff and enjoy things that matter more quickly. Just don't spend more than you have. It could be such a simple mind set shift. Make it non-negotiable what i have only negotiablewhat i have no choice but to use credit cards if I'm not paying minimum payments. If  you live paid check to pay check, but don't have a consistent pay check, sometimes your only option is to use a credit card to pay your light bill. And