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  1. When we plan our budget, we have to look at the entire year because the expenses vary greatly from month to month and my husband is paid weekly so our income also varies. We have to roll over extra income almost every month to cover our children’s college bills in August and December (they do have tuition scholarships). Also, things like the termite contract, Christmas shopping, and the twice-a-year haul from Sam’s Club are not monthly. I use a spreadsheet to plan the year and Quicken for our checkbook. Towards the end of each month, I enter the next month’s income and planned expenses so we have a pretty good idea of what the month will look like.

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