I just have a quick question. When funding an efund do you include expenses such as gas, groceries, etc.My rule of thumb is, if I have to pay for it during every month, I include it. So gas, yeah, groceries, yeah, gymnastics classes for the boy, etc, yeah. B-day presents and irregular stuff like that, no, because if the poop hits the fan, we can cut back on that, or do cookies or brownies for presents, that kind of thing. But I think it's a good idea to estimate high. It can be really easy to ignore or sweep under your mental rug stuff you spend money on every month and might keep doing reflexively when your income changes suddenly.Like, I know that we'd probably stop eating out and renting videos at Blockbuster if we lost all sources of income, but it might take a week or two to ramp our costs down, so I don't mind including those in my efund estimates. I am very conservative about my efund, though, I am of the opinion that too much money in there isn't going to hurt me, whereas not enough could be really ouchie. YMMV.--Booa
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