In short, my approach to budgeting is to spend less than I take in and be able to save some along the way. We never really came up with a budget. We make all big decisions together and fortunately alike in our short and long term goals and what we spend regularly.

We might have done better along the way if we looked at our expenses closer but we are pretty frugal so there isn’t a lot of waste so the extra time doing that wouldn’t have yielded a great return.

But now we are into our senior years. The paychecks from the job that pays the bills stopped coming a little over a month ago. We are looking into the budget again obviously.

Our approach will be just as it always has been. We will talk, decide on priorities and fun, and set the path.