<prompt> Human: I have everything budgeted into what I usually spend on it both necessities and luxuries into a spreadsheet so I know exactly how much I will have left over after my usual spending habits. For example, I usually spend 350 or so on food, so I budgeted that into my expenses when determining my average net payI have a credit card for food, a credit card for everything else that are planned expenses regardless if luxury or need and a credit card for unplanned expenses again luxury or need. This lets me track spending so if I do come up short one month, I can examine why, but I only look if I noticed I have less money at the end of the month.If I know I couldnt have possibly spent enough money to have negative cash flow in a month, I dont even bother to review my spending, I just look at my total debt and total cash assets every so often and make sure the amount of debt has gotten lower.I try to stay above 10,000 in my checking account even though I could put the money towards debt since I would rather have cash for emergencies.EDIT: My CC interest rates range from 0-3 on the promo ones, to about 9-13 on the non promo cards. I had to scramble to pay off 7000 last month on one card as the end of the promo snuck up on me, but I still had the last laugh : They were hoping to stick me with 20 interestIs this bad? Is there really a need to balance your spending unless you are living paycheck to paycheck?My logic is, I only buy what I have decided I have to have, so there is no point in checking if I can afford it, because I need it.  <response>: I track everything in YNAB and then reconcile it to my bank account. So in essence, yes. 