Hello, why neighbors my name is Jesse Meekam, and this is podcast number 29 for you need a budget.

We teach you four rules to help you stop living paycheck to paycheck. Get out of debt and save more money. Golf season is upon

us. If I were a seasonal golfer, which I am, because we have snow here, It may be wise because golf is so darn expensive

to make that a large less frequent expense and have it fall under the purview of Rule 2 where you're saving for those rainy days.

Even golf in the rain is a good time.

So if I spent in those months where I could golf, let's call it four months of golf and let's say that I spent $200 per month

on golf, that would be a total of $800 and then divide that by all 12 months and I would realize that if I wanted to afford golf,

then I would have a monthly payment of $66.67.

Or if you have lawn care that happens just when the grass is growing,

you could pay for that that way.

Amortize it over the entire year instead of having to eat that during the summer where you also wanted to go on vacation, which you should have been spreading out over the entire year as well.

Question I wanted to ask today, is it okay to start over?

You've got a budget file there and you've got all this fantastic history and

just, it's just amazing how much you learn from looking at what you did three years ago

you just can't part with it dripping with sarcasm. Is it okay to start over?

Absolutely.

Yep.

If you want to start over because you feel like it or because you need better category organization,

it would be easier to start fresh or your

situation changes dramatically maybe you had like six credit cards and now you've

knocked them all out that happens to a lot of people using the you need a budget

system and you wanted to get those out of sight out of

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