tag:blogger.com,1999:blog-37886248.post2257165607558165972..comments2024-03-22T00:35:19.082-07:00Comments on Casual Kitchen: YMOYL Chapter 5: Your Wall ChartDanielhttp://www.blogger.com/profile/02388302796031288076noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-37886248.post-3396454587765215892017-01-18T09:10:13.411-08:002017-01-18T09:10:13.411-08:00With regards to unusual expenses.
My overall budg...With regards to unusual expenses.<br /><br />My overall budget is broken down into the following categories:<br />1. Routine expenses<br />2. Property taxes/HOA fees<br />3. Home maintenance/repair/upgrades<br />4. Travel<br /><br />Each of the four have an annual budget. Only the first has a detail budget by category.<br /><br />This way, I segregate most big ticket items; items 2-4 I only consider on an annual basis.<br /><br />That doesn't do the trick 100%, as some items may be more than the annual budget (e.g., replace roof on house). So what I do is have two bank accounts. Account one is for the annual budget. Account two is for surplus/deficiency which carries forward.<br /><br />In addition, even the routine expense category can have a substantial hit (e.g., 'pet expenses' if the pet has a major surgery). But that's how it goes.<br /><br />...<br /><br />With regards to 'revealing'. I am 'open kimono' with one very good friend, and he is with me. Other than that I agree with you that it brings baggage and while I'm more than happy to discuss generalities with folks, I don't go into detail.Anonymoushttps://www.blogger.com/profile/07012320439010984534noreply@blogger.com