Getting the whole picture when budgeting

When establishing a budget get the whole picture.  Start by collecting all checking account and credit card statements for the last year. 

Collect all cash receipts for the last month (or next month if you don’t do this).  Don’t forget cash spent on co-payments, mocha’s, haircuts, etc. 

Now collect all receipts for financial contributions to charity, including Girl Scout cookies, etc.  Collect all pay stubs, deposit receipts, etc.


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