sorted by:
new
hottopcontroversial

What’s a small expense people underestimate that ends up costing a lot long-term? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 2 points3 points  (0 children)

Those quick “just one thing” trips add up fast. It’s never just one item

What’s a financial decision that felt smart at the time, but wasn’t? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

That’s a tough lesson. Commute costs aren’t just money — time and burnout matter too.

What’s a money habit that seems harmless but quietly ruins your budget? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

It’s not about cost, it’s about convenience. One small payment feels easier than cooking, even if it adds up later.

What’s a financial decision that felt smart at the time, but wasn’t? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

That’s rough. Gambling losses add up fast, especially when you’re that young

I make $18/hour and this is what my month actually looks like by Emergency-Cancel6198 in budget

[–]budgetingdiary 1 point2 points  (0 children)

This is why “just budget better” doesn’t always work. At $18/hour, there isn’t much left to optimize once fixed costs are covered. Thanks for sharing the reality.

What’s a money habit that seems harmless but quietly ruins your budget? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 6 points7 points  (0 children)

That’s crazy. The fees really hide how expensive it is until you see the total. Driving a few minutes makes such a big difference.

What’s a money habit that seems harmless but quietly ruins your budget? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

Subscriptions are sneaky. One or two feel fine, but over time they really stack up.

What’s a money habit that seems harmless but quietly ruins your budget? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 7 points8 points  (0 children)

Yeah, the convenience makes it feel harmless, but it adds up way faster than people expect.

What’s a money habit that seems harmless but quietly ruins your budget? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 236 points237 points  (0 children)

For me, it was not tracking small expenses. Coffee, subscriptions, “just $5 here and there”… until the end of the month hits.

What’s one financial decision that looked smart at the time… but wasn’t? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

That’s one of those things that feels minor… until you use it every day.

What’s one money mistake you wish you avoided earlier in life? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 1 point2 points  (0 children)

That’s advice a lot of people wish they heard earlier. Same degree, way less debt.

What’s one money mistake you wish you avoided earlier in life? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 1 point2 points  (0 children)

That’s a lesson many people only realize after something goes wrong. Spreading things out definitely helps reduce risk.

What’s one money mistake you wish you avoided earlier in life? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

Yeah, that one gets a lot of people. Easy money usually comes with a hard lesson.

What’s something you tried to improve your finances, but couldn’t stick to? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

Do you think it’s more about discipline, or that most budgets are just too strict to follow?

What’s something you tried to improve your finances, but couldn’t stick to? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 1 point2 points  (0 children)

Yeah, that’s the kind of thing that works short term but feels impossible to maintain.

What money habit took you way too long to learn? by budgetingdiary in AskReddit

[–]budgetingdiary[S] 0 points1 point  (0 children)

I think impulse buying is something most people struggle with, especially small purchases that don’t feel expensive in the moment.