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top nav guest posting advertising hire me disclaimer navigation personal finance utopia where personal finance reaches an ideal place home pages in primary navigation about my story: foreclosure nightmare my story: beating $140k debt contact return to content micro vs macro budgeting by mr. utopia on october 1, 2015 in budgets , financial decisions , relationships , self improvement 11 comments not long ago i shared the reasons why my wife and i do not adhere to a budget in to budget or not to budget . while i did extol the virtues of budgeting in that article, my explanations for why we do not do a typical budget may have come across as budget bashing. as a quick recap, the reasons we do not budget are: avoiding micromanagement of each other small expenses too time consuming for our hectic lives missing the budget target for things outside your control means you wasted your time those reasons paint budgeting in a bad light. now before you go accusing me of being an anti-budgeter, hear me out. i am a budgeting supporter. really, i am. and, at the risk of being called a flip-flopper, we actually do budget – but in a completely different way than what most associate as typical budgeting. micro vs macro budgeting here’s the description i previously provided for budgeting: “ budgeting is tracking your monthly income and expenses to ensure you achieve a pre-determined target or goal amount. the emphasis of budgeting is usually placed on the expense side since income is generally more fixed or stable (you get your same salary or pay each month) while expenses are more variable and within your control. for example, in a budget, you would establish goals for spending on items like rent, groceries, utilities, tv, entertainment, gas, etc. and then you’d track your actual expenditures in an attempt to spend at or less than your target. ” i call that micro budgeting. why? you get extremely detailed and granular…a budget of $500 for groceries, $200 for gas, $100 for entertainment, and so on. and then you have to track your actual spending, categorize everything, and analyze. it can be a laborious process even once you have become efficient at it. on the flip side, macro budgeting approaches budgeting from a high level. you do not establish and fuss over individual categories. you don’t have a precise set target for each line item you have to hit “or else.” rather, you know, in general, how much money should be left over each month after all the bills are paid. if you are around your target – awesome! if not, then you investigate why and take corrective action if needed. that’s what we do; we are macro budgeters. we skip the micro budget and macro budget instead perhaps this question or objection is popping into your mind: how do you know where you stand financially if you do not track all of your income and expenses? good question. here is how our system works: our main sources of income are my salary and my wife’s salary. we have our own, separate checking accounts. her paycheck is direct deposited to her checking and likewise for me. she does a majority of the grocery shopping, gets stuff for the kids and gas for her car. now that all her student loans are paid off, those are her main expenses. she puts them all on a credit card and, after making the monthly payment in full, she transfers what is left to my checking account. i pay all of the rest of the household bills (mortgage, electricity, gas, cell phone, etc.). after everything is paid, i can easily tell how much we have left over each month. voila! macro budgeting at its finest. there are two other important distinctions: 1) communication – communication is a cornerstone to any healthy relationship. communication does not disappear under macro budgeting. true, we do not sit down and talk about how much we will spend on things like beer each month (if we did, that would be the only category where i’d actually want to spend more!). we do discuss upcoming one-timers that will cause variances. for example: wife: honey, the baby has outgrown the infant car seat and we need to purchase a bigger one. me: how much? wife: we are looking at $300. me: $300? she just turned one. can’t the baby just be strapped into the front seat with the regular seat belt yet? wife: no. me: oh, ok. obviously, the conversation above was fabricated for illustrative purposes. first, my wife refers to me as “hey you” instead of affectionately as “honey.” also, i would never endanger my child to save some money. we also discuss if something ends up amiss in any given month and we will dig into it if it is material enough. me: what the heck? why are we about $300 low this month? wife: um, remember the car seat we bought? me: oh yeah… [mutters] still think she could ride in the front seat just fine. 2) long-term forecasting – we also do higher level intermediate term forecasting. well, i do it on our behalf (that’s not really my wife’s cup of tea and it comes naturally for me as an accountant/financial analyst). for instance, i did an analysis to determine how much we could afford to spend on a house and then forecasted what our cash flow would be if we proceeded. all of this was based on macro level budgeting with perhaps some other details and assumptions thrown in. why macro budgeting works for us flexibility – macro budgeting gives us flexibility. we are not concerned about specific line items with rigid goals, but rather our overall savings target. we do not fret if we spend an extra $10 in groceries. macro budgeting is adaptable to the situations that arise in life. goals still achievable – for us, the proof macro budgeting works is found in how we have not only met our financial goals, but we have blown them out of the water in many regards. we paid off our massive $140k debt in just under 3 years, we successfully saved for a house down payment afterward, and we recently found out how it feels to be debt free by getting rid of the last of our non-mortgage liabilities. higher level management – macro budgeting helps us to avoid the pitfalls and frustrations of micro budgeting. we do not micromanage or nag each other on spending. we do not begrudge ourselves for missing detailed budget targets for a multitude of categories. we save time and avoid the hassle of micro budgeting. macro budgeting works for us. it may not be the best bet for you especially if you have been out an out-of-control spender in the past. as the saying goes, “to each their own.” you should implement whatever budgeting method works best for you. any type of budgeting is better than none at all! just be sure to always have your best financial interests in mind and have a money mindset . are you a macro budgeter or a more conventional, micro budgeter? for the micro budgeters, do you think a macro approach is reasonable? or is it an absurd concept? would you ever consider it? image courtesy of mark kjerland at flickr.com read entire article trapped in a job you hate? this is the solution by mr. utopia on september 28, 2015 in career , financial decisions , self improvement 8 comments if you are trapped in a job you hate there is only one true solution: quit. seriously, quit. you might be thinking “now wait, there are other solutions out there. i could try to work through all the problems and maybe it will get better.” sure, you could try that approach. from my experience, if […] read entire article should you lend money to family or friends? by mr. utopia on september 24, 2015 in debt , family , financial decisions , relationships 8 comments i have no doubt the day money was invented was also the first day a family member or friend first asked for a loan! when someone is in need of a cash infusion, asking a family member or friend can be one of the first courses of action simply because it is “easier” than seeking […] read entire article skip college to find career success! by mr. utopia on september 21, 2015 in career , education 5 comments from an early age, we a

URL analysis for personalfinanceutopia.com

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http://www.personalfinanceutopia.com/what-feels-like-debt-free/
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http://www.personalfinanceutopia.com/what-feels-like-debt-free/#comment-60733
http://www.personalfinanceutopia.com/author/boss-utopia/
http://www.personalfinanceutopia.com/advantages-buying-new-construction-home/
http://www.personalfinanceutopia.com/getting-mba-waste-unless-you-do-this/
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http://www.personalfinanceutopia.com/graduate-business-school-mba-program-like/#comment-61935

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Domain Name: PERSONALFINANCEUTOPIA.COM
Registry Domain ID: 1782533366_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Updated Date: 2018-02-25T17:55:54Z
Creation Date: 2013-02-25T02:37:30Z
Registry Expiry Date: 2020-02-25T02:37:30Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: [email protected]
Registrar Abuse Contact Phone: 480-624-2505
Domain Status: clientDeleteProhibited https://icann.org/epp#clientDeleteProhibited
Domain Status: clientRenewProhibited https://icann.org/epp#clientRenewProhibited
Domain Status: clientTransferProhibited https://icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited https://icann.org/epp#clientUpdateProhibited
Name Server: WNS2205.HOSTGATOR.COM
Name Server: WNS2206.HOSTGATOR.COM
DNSSEC: unsigned
URL of the ICANN Whois Inaccuracy Complaint Form: https://www.icann.org/wicf/
>>> Last update of whois database: 2019-01-26T16:13:39Z <<<

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  REGISTRAR GoDaddy.com, LLC

SERVERS

  SERVER com.whois-servers.net

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  TYPE domain

DOMAIN

  NAME personalfinanceutopia.com

  CHANGED 2018-02-25

  CREATED 2013-02-25

STATUS
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NSERVER

  WNS2205.HOSTGATOR.COM 108.167.156.129

  WNS2206.HOSTGATOR.COM 108.167.156.130

  REGISTERED yes

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