Cash Flow Planning... isn't that a business form

Cash flow spending, that is an odd thing to consider when we are talking about personal spending. But really smart when you think about it, its not like all of the money comes in at the beginning of the month right. The nerd in me is like YES! But the free spirit in me wonders, can we pull it off, let alone keep going with it. I think yes. If we stay on path.

The funny thing is whenever I would work on the "budget", which was more like a bill list, I would never include thinks like food, clothing, gas. It was just easier that way, kind-of fly by the seat of our pants, if we ran out we ran out. Which I recognize even during that time, that it was out of control. We are working on this budget, and its nice to know that the first few times it is going to be morphing alot... too much for this, oops need more pad here! But that is okay, it is okay to make adjustments, nothing is written on stone tablet.

The envelope system may not work out. My hubby is not comfortable with it, and when I have cash, I tend to spend it faster, weird huh! so I am going to create a more customized check register system that will suit our needs better. To be completely honest, I already kind-of have it in my head, just a matter or testing it out.

Too bad Togni Branch isn't around anymore, they probably had exactly what I was looking for!