If you were going to plan anything, finances should be it. Laying all of your expenses out can really give light to where you need to save and where you can spend a little more. It can also really, really give light to where your financial priorities lay, which could be a call to get your act together (did you need to order Seamless every day for three weeks straight?).
There are so many resources out there that can help you plan out your moolah situation, from various apps to good, old fashioned ledgers. Give one a try; you’ll never know how much money you’ll end up saving.
This era has been defined by a slew of productivity apps. Because of said slew, more people seem to spend their time investing in ways to be productive than actually being productive. Leveraging various payment plan methods is no different.
Every individual is different. How one handles one’s finances can typically be handled on a case-by-case basis, depending on where you’re at every month. Having a payment plan can not only be unnecessary, but confuse you on what should be a commonsense thing. Just don’t do any irrational spending, and you should be said.