Hello, Wine Ambrose, my name is is Jesse Meekam, and this is podcast number 89, for You Need a Budget,

where we teach you four rules to help you stop living paycheck to paycheck, get out of debt,

and save more money.

Today I'm going to talk about Rule 2.

Normally, that is where you save for a rainy day, meaning a day where a big expense is due, large, less frequent expense that would otherwise have

you blindsided property taxes, Christmas.

But what if, podcast I did give in to me by Aaron, our lead teacher, what if you applied

Rule 2 to your income?

Because we always talk about evening out the expenses.

Expenses are not even.

People think they're even, they're not.

They're quite fluctuating.

Vacation, months are large expense months.

Christmas is a large expense month.

And then things may be slow down in the winter when we all

hibernate but when you think of your monthly expenses you always think of

them as fairly evenly spread and they're not they are up and down all over the place.

The average of those are your true expenses and those are what you budget for with Rule 2.

But just like we even out your expenses by taking Christmas where you spend $1,200 and deciding that you're going to spend $100 a month,

spend in air quotes that I'm doing right now, but you can't see.

You're basically making those large, frequent bills monthly bills and then you do

have a fairly even expense situation when the cash actually goes out becomes

...