He also suggests that you spend a lot of your money on a cash basis. For example, you budget $80 bucks for lunches/dinners/coffees out (and yes, that's our VERY restricted amount we've allowed ourself for this month) and you take that money out in cash and keep it in an envelope. When you want to go out to eat or grab a cup of coffee or order a pizza, you grab the money out of the envelope. When the money's gone for the month, that's it, no more dinners out, no more pizza, no coffee from Dunkin Donuts.
Mr. Daddy and I have worked on this budget almost every night this week and my brain is tired and we still haven't gotten it down to zero. And we still have a cash flow plan to work on.
Nobody told me there was going to be homework when I grew up. If I have to do homework, don't I at least get a Spring Break?