Share your insights or perspective on the financial matter presented in the input.

I've tracked my spending and have created a budget, now what do I do with it?
Whether you use a professional financial planner or not, the basic steps are the same. It seems like you have done some detailed work on step 1, perhaps less detail (but not necessarily insufficient detail) on step 2, and concluded that you don't need to change anything in step 3. That's fine - if you concluded that you don't need to change anything, then you don't need to change anything! What you need to do from now on is There is nothing complicated or difficult about any of this. To paraphrase Charles Dickens, "Income greater than expenditure - result, happiness. Income less than expenditure - result misery."  Talking to a financial planner might encourage you to spend less (though of course you just acquired a new expense, "buying financial planning advice"), just like joining to Weight Watchers might encourage you to eat less or exercise more. But in the end, it's you who have to take the action - other people can't do it for you.