[GH85Carrera]

Much like McLovin I don't have a budget. I am lucky enough to have had a job since I was 16. Only 5 working days in my life of no income since 1972.

0% on mortgage
0% on credit
0% on car payments
a few grand to a charity
large chunk to eating out.
I just do not track what percentage is for the basic costs of living in a house. The property taxes, insurance and upkeep or to drive my cars.

We have no debt at all and we save more than we spend.

I vividly remember the bad old days of wondering how I was going to make a utility payment before that utility is cut off. Eating rice and beans for weeks on end and not going out on a date for a couple of years because chasing women is expensive. I did not have any sort of vacation for many years.

When I was at the bottom I promised myself I would be debt free by 40. I did not make it by my 40th birthday but before I turned 41 I did not owe anyone any money.

It was a lot of work and I have never accepted one penny of government assistance.