Know the difference between your necessary and discretionary expenses.
Sentiment: NEGATIVE
By necessity, budgets require hard choices.
Discretion is the perfection of reason, and a guide to us in all the duties of life.
My giving is discretionary, but keeping the business going is not.
When you're setting up a budget, a general rule is to start with your fixed expenses - your housing and insurance payments, and car payment, if you own one.
If there's not enough money in the bank account, you don't spend it.
I've learned, I think, to be able to distinguish between the necessary and the unnecessary as far as my limited outside time is concerned. Saying 'no' politely is a necessity if one wants to lead any kind of stable life.
Sometimes you have to make tough decisions to hold the line on spending.
Discretion is the polite word for hypocrisy.
My only expenses are probably guitar strings and records.
In law, nothing is certain but the expense.