Figuring out a budget that works takes time. Remember it took us 6 months before we got this budgeting thing down! Read more here.

The hardest part of budgeting for most people, including myself, is unexpected expenses. These may be unexpected expenses BUT you can still plan for them. Read more here.

Another difficult area was our planned expenses that didn’t occur monthly. I found it challenging to figure out how I would fit these expenses in my budget. Read more here.

When I first started budgeting, I was very frustrated because our budget would not balance. It took a few months to figure out that I was making a big budgeting mistake. Read more here.

Making categories helped me to make the budgeting process easier and quicker. I created a category for each of the areas we spend money or save money by grouping like items. Read more here.