When 30 Bats Invade Your Attic: How One Budget Helped a Couple Face a $3,700 Emergency Without Debt w/ Barbara | 626

Yeah.

Yeah.

I think that the thing that hopefully that our budget, 'cause our budget is not just a budget, it's a budget system, and we really are trying to think of all of these things.

Because typically, what people have when they have a budget is a list of bills, and maybe they kind of consider groceries.

Maybe they add that one in there.

But we want to consider gas, groceries, spending money, the kids.

What do we need to be saving up for? All of those things that you already, you're doing, we're put, we're teaching you that with this budget because that's how you actually know what you can afford, and what you-

Right.

Wa-

Mm-hmm

... what is keeping you stuck in the past because you're not planning for all of those things to whatever version that your budget can afford.

And instead, you're literally paying ca- playing catch up every time, because you may have planned for the bills, but you didn't plan for the HOA dues, right? Or whatever, and there's always something surprising you, keeping you feeling like you're stuck.

You can't just have a nice normal, huh, easy month.

And so this budget system is really teaching all of those different things and helping you get it all on one piece of paper.

And then you can play with your spending money like you guys have and say, "Okay, we can do this much because this is everything else that we want to do." And then we know, like when, like you both were saying, now we know.

It's math.

Mm-hmm.

There's, it doesn't lie.

[laughs]

And I think it just allows you to see what you truly cost.

We like to tell our clients all the time, it's easy to budget for gas and groceries and bills.

Fine, that's whatever.

But what about everything else that is in your life that we forget about to put on that budget? And that's really what I think what separates us from every, from other people that teach this.

Because if you don't know your true costs and you don't have these, you don't have Christmas budgeted, you don't have birthdays, you don't have gifts, you don't have travel, you don't have all that, and you're spending money, then you don't know what's really going on with your money, and you get caught off guard, and then we swipe a card.

We swipe a credit card, which as-