I am 24, and I’ve never had a budget. “The more specific the goal is, the more successful the budget will be,” she promises. On my splurge list, I’ve included a winter-sun holiday with girl friends, Apple airpods and a trip to the spa. Knowing I’ve earned that money will mean I can enjoy all of these things guilt-free when the time comes. I’ve been tracking my daily spending for just over two weeks now, and I’ve already shocked myself at how much was going on unnecessary chicken roll lunches.

Source: Irish Examiner August 10, 2022 23:00 UTC