When establishing a budget, it is important to account for variability. Some monthly expenses change a bit each month, such as your energy bills, others are paid bi-annually or annually instead of monthly, such as taxes, and some pop up unexpectedly. Others expenses may vary in their amounts each month. Knowing how to anticipate your expenses will leave you with a solid budget that is always in the black. First start with the stable expenses, those that do not change from month to month. Some examples might be your car payment, your mortgage payment, or a student loan. You can … Continue reading →