One thing I am always baffled by is how clueless or bad people are in regards to money. Even when I was a twelve and first earned money people same age to folks three times my age were simply terrible at budgeting. Getting older and across different occupations I have seen majority of people simply don't know how to budget despite some being very educated and intelligent.
I mean basic stuff like going into credit card debt because they drank out too often or wanted a television or just forget to make payments. Not having a clue how much money they even have in their bank account or retirement fund.
I know getting into finances is sensitive so I don't expect anyone to disclose their income, but I do wonder the following.
On a monthly basis do you try to live within your means?
Do you plan financially months, years or decades in advance?
Feel free to add why or why not you manage the way you do.