January has come & gone & what I'm left with is a pile of receipts and what appears to be a deficit in my budget. Are we spending more than we make? How can that be???
After a second look at the numbers, I see that in December we had money left over that carried us into January, so that is why it doesn't seem to balance. This is also why they say creating a budget takes at least 3 months. Dave Ramsey, you are right again!
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