A common budgeting mistake is not basing your budget on reality. We all want to be able to set aside $200 a month to save for a down payment on a home or our children’s college education. But, if you have to cut your food budget in half to afford to do so… you may find you come up short each month. The key in budgeting is avoiding this common mistake. In order for a budget to actually work, it needs to be first based in reality. During your budget planning, realize that certain things just aren’t in your budget, … Continue reading →