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Budget Review

As 2006 is coming to a close, I have decided to redo some of the work
that I have done on my budgetting spreadsheet. I feel like there is
quite a bit more that I would like to do with it so that I can better
track my expenses and income. With any luck, I will be able to get
these items done in time for the start of 2007.

The nice part about this year is that now I have been budgetting for a
full year and I really think that I have a good idea about what to
estimate for next year's expenses. And that is a big bonus in terms of
planning. Usually, it is fly-by-the-seat-of-my-pants for most of the
winter, which, in combination with the cold weather and dark days,
often leaves me tired and depressed.

But this year is different. I've managed to figure out exactly what I
think will be needed for those nasty miscellaneous expenses that
always seem to jump out from behind a tree and scare the daylights out
of me during the middle of the year. The nice thing about planning is
that it really mitigates the risk of being "underwater" with money
during the year.

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