It’s extraordinary how many people think that a budget starts with needs.
“Here is what I need for each important purpose, here’s the total. That’s my budget!”
The idea that a budget starts with the total sum available, which is then allocated to specific needs, seems completely alien to people.
“But I need more for my needs!”
Well, I need it to start snowing immediately but it’s 90°F outside, and I’m dealing.
Clarissa's Blog 
These must be the 63% of Americans living paycheck to paycheck. Some of the stats I’ve read claim that a lot of these people are living on more than twice our income! How? I think you have found the answer.
LikeLike