Happy July 1st!  Hopefully you’ve completed this month’s budget, but if you haven’t, it’s not too late!  Knock it out today and happen to life instead of letting life happen to you.  Here are a few thoughts for you:

– The reason we do the budget process every month is because months are different.  Some things stay the same, but a lot of things change.  I’m buying contacts this month.  Our electric bill is ridiculously high because of how hot it is.  We’re taking two trips to the beach.  Each month is different, so that’s why we sit down every month and make a unique budget for that month.

– I’ve seen two different approaches to fuel costs.  Use a basic cash envelope, and when it’s gone it’s gone.  You can also use your debit card and keep receipts or use mint.com to track your costs through the month.  The trick with the first method is figuring out how you’re going to get around if you have no more gas money.  The trick with the second method is making sure you reconcile any differences between your projected amount and actual amount!

– You can’t have it all.  Unfortunately, the money will run out, and you’ll have to wait for one thing or another that you really would like to do now.  That’s just part of the deal with money.  Make your choices wisely, keep your “why” in mind (the reason you’re sacrificing), and keep pressing on.  It will come in time.