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Every month or so I add up all our money in savings, checkings, safe (yes we keep money in a safe), IRAs, pending money.....

If it keeps growing I know we are doing okay!

I have a love/hate relationship with budgeting. Each year I would start out the new year thinking I was going to keep track of every penny. Usually by mid-March I had blow that plan. This year I finally gave myself permission to not track every penny.

I was unemployed/disabled for 2 years and just went back to work at a very flexible job that right now is just covering our health insurance. Since we were without for 1 year after Cobra ran out, I am happy just to have that since I have had no income coming in at all since December 2011 when my state disability ran out.

Another idea not given here is to pay all your bills and then do the envelope or jar method a la Dave Ramsey/Gail Vaz-Oxlade. When money is gone from one jar or envelope you can borrow, but when it is gone it is gone.

Gail has a website and I have talked to her myself in person. She is as nice and funny as she appears on TV.

C. Brown
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