Controversial opinion: I stopped budgeting! (ignore if you’re just starting) When I first got serious about my finances, I tracked every single expense for months. It helped me understand my spending habits and where to optimize. But as a natural saver, I realized there’s only so much you can trim. Now, I focus on an annual savings goal—either a set amount or percentage—and track that instead, monthly. Frugality matters, but don’t let it drain you. Do you count every penny?