It just seems there is a steady stream of random expenses that are always popping up. End of the year stuff, replacement back packs, there was a mix up for our vacation this summer, now we have to come up with an extra $200, then we forgot to plan for boarding the dog while we were gone, have to come up with that, the roof was over budget, hiking boots and scout pants for ds going to scout camp, stuff never ends.
I follow the Dave Ramsey plan and try to budget to the penny each pay period. I am finding though, that it isn't working very well. DR says you shouldn't have a misc category and everything should be accounted for. So many of these things are popping up after I have done the budget, and need to be paid for before the next pay period. I am a big planner and hate having surprises. A couple of pay periods this year I left a chunk of money in misc and I was a lot less stressed when stuff came up. As much as I can plan, with 4 kids in various schools and activities stuff seems to pop up all the time.
Does anyone else have this trouble?
I follow the Dave Ramsey plan and try to budget to the penny each pay period. I am finding though, that it isn't working very well. DR says you shouldn't have a misc category and everything should be accounted for. So many of these things are popping up after I have done the budget, and need to be paid for before the next pay period. I am a big planner and hate having surprises. A couple of pay periods this year I left a chunk of money in misc and I was a lot less stressed when stuff came up. As much as I can plan, with 4 kids in various schools and activities stuff seems to pop up all the time.
Does anyone else have this trouble?