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Although I've thought a lot about budgets, I've never thought about that in a chronological fashion. My commitments are just my commitments -- though I have learned the hard way to stay away from travel clubs, even if you could win an all-expenses-paid trip to the Bahamas. Which maybe I took in college. With my roommates, who I said were my kids. Ahem. Beth at Simply Budgeted is a lot smarter.
Beth breaks the past, present and future into a budget pie, and she has some interesting advice for thinking about your money. She writes:
Why did I skip the present? Because you should really think about the present last in your budget pie. This is where you probably have the most room to save money and push it to the other pieces of your budget pie. The present is what you need to spend right this minute to get through your daily routine and all of your extras. This category is your groceries, gas for your car/transportation costs, and clothes.
