Let’s Talk About Budgets, Baby

I’ve been working on this whole budget plan thing for a couple of weeks now and I still don’t feel any further along than I was when I started.  Oh, don’t get me wrong, I’m an intelligent person.  I can grasp the very basics:

Income – Expenses >= 0

I mean, I did study accounting in college and I do have a programmer’s logical mind.  Plus, I was a math minor.  I get the most basic part of the concept.  Really, I do.

However, I just don’t think my brain is wired right for easily latching on to the complexities.  For instances, most books and examples out there all offer up examples of income that is the same amount and dished out on the same two days every month and most of the expenses are fairly simple and fixed every month; a few of the examples might show the occasional expense that might be paid quarterly and they all usually show groceries and dining out as unpredictable.  Clearly none of us eats exactly the same thing day after day and no one is stupid enough to pretend to make the assumption in a sample budget even. read more