<prompt> Human: For people getting their finances back on track I dont think anyone seriously disputes the advantages of a line-item budget. After all, its difficult to make plans for your money if you dont know where its going. For those of us that feel they have their finances under control, do you keep a line item budget? I do not, as I am comfortable that Ive savedam saving more than enough to meet my financial goals. Spending additional time tracking your purchases to the smallest level is not time well spent, in my opinion.tl;dr: If youre saving enough, youre doing things right.  <response>: Agreed, time is better spent on hobbies, friends, etc. versus tracking your purchases in such minute detail.However, like ed_lv I will cut down on spending in a category if I feel its inching up too high. For that, I just use Mint. 