Extra padding, or cushion can be a good thing! Especially when you fall … short!
Many budgets are unsuccessful due to underestimating how much spending occurs or just simply forgetting about areas where money is spent.
When you first make your categories, give yourself a small cushion to help with forgotten expenses. Wiggle room is worth it in the long run.
See “Let’s Talk About the “B” Word” series for more in depth information!
For the best budgeting advice I would recommend the book “Total Money Makeover” by Dave Ramsey. This is the most straight forward and planned out guide to achieving financial peace. It is on sale at Amazon.com
http://www.amazon.com/dp/159555078X?tag=chasrealis-20&camp=213761&creative=393545&linkCode=bpl&creativeASIN=159555078X&adid=118DGHWFX2XK2B479T7W&
Thanks for all your advice
Do you mean padding?
Colleen-Yes :-0