I did a rough estimation of my normal monthly costs of living and then added a small amount for fun. The rest of my monthly paycheck gets semi-automatically invested in ETFs and can’t be used without transaction costs. I have a small buffer account that I can use for unexpected expenses and if this happens I’ll be aware of it the next month and try to spend less and grow the buffer account.
I did a rough estimation of my normal monthly costs of living and then added a small amount for fun. The rest of my monthly paycheck gets semi-automatically invested in ETFs and can’t be used without transaction costs. I have a small buffer account that I can use for unexpected expenses and if this happens I’ll be aware of it the next month and try to spend less and grow the buffer account.