<prompt> Human: Im big into starting small and unoptimized on things and then iteratively improving the process over time. I find it really helps long term adherence.Im going to do a blog post next week about a lazy budgeting style Ive been using basically just tracking monthly account balances, but Id also like to share alternatives. If youve got a blog postvlogpodcast episode where you detail a super simple budget system you use Id love to share it in my post.Paula Pants anti-budget comes to mind.  <response>: My lazy budgeting:1. Auto-deposit some predefined amount to savingsinvestments.2. Spend whatever I want on credit card, but pay it off immediately from checking. 3. Every 1-3 months, look at the net change in my accounts. 1. If its large and positive, increase the amount auto-depositing to savings and investments. 2. If its tiny or negative, look at credit statements to find non-essentials I spend lots of money on and cut back on that in the following month. If this repeats a few months or there are not a lot of non-essentials, then look to cut the essentials and scale back housing or other essentials. Only if neither can be cut, consider decreasing the amount auto-depositing to savings. 3. If its moderately positive, keep doing what Im doing.4. RepeatOver time, that process adapts pretty well over time even as costs and salaries change. That strategy allowed some growth I bought fun exciting things but is also the process that made me move to a smaller place.I also write down any largerare bills e.g. christmas gift spending, annual taxes so that when Im doing the above I have a reference for upcoming expenses. 