Sure, I’ve talked about making a budget. Well, after having a month’s worth of data, I think I have a better idea of what my budget entails. My latest goal for 2009 is to Budget, Budget, Budget!!!! I am still trying to figure out whether I’ll use the cash envelopes system or just use Excel [...]
One thing that caught me off guard last year was Christmas. No, not the actual day. I realize that Christmas has come on December 25 for the last thirty years or so. The spending is what caught me off guard. I was planning a lite Christmas as far as gifts and then, one by one, [...]
Right now, one of the hardest things I am grappling with is setting a budget. It’s not because I spend so much that I have no idea what goes out every month. It is actually the exact OPPOSITE. I pretty much know everything I spend and am looking for a detailed budget system, whether it [...]