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Hmm I do my budgeting way differently. I have the usual mortgage, taxes, utilities, investments, insurances, YMCA, savings, educational plan, and whatever is left over, we live on. I guess that would be called a zero based budget or something. Every month odd incidentals pop up, (BDs, etc) and whatever we have is what we use. Some months we have no extra $ and some lots. We pay ourselves and our bills first, and then whatever is left is what we cope with.
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