Financial Peace

Well, the Prof and I have been faithfully going to our class and completing our homework in the Dave Ramsey Financial Peace class. It has been challenging and helpful. We are now usin a Zero Sum Budget for October. Basically we made a budget that accounts for all the money we are spending this month. If we need to change things, we need to talk about and make adjustments together. I was wondering what could possibly come up that didn't fit a catagory of this fairly thorough budget. While a couple unexpected things have come up, the one we couldn't find a catagory for was the Tooth Fairy for Two Bits lost tooth. The really "Duh" moment for me was: we need to make a new budget every month. We have made a budget every year or so through our almost 20 years of marriage. And they have helped us with the big general plan. But there is always something coming up that surprises us, something that shouldn't: insurance bill, school photos, Christmas. Little things like that. Hopefully doing this each month will help us be more prepared. Now just waiting for one of the colleges to start paying us after 5 weeks in class!