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This is optimal finance daily. eight important things that are missing from your budget.

By Camico of the Budget Mom.com, and I'm your host and personal finance enthusiasts, Diana Merriam.

Now let's get right to it as we optimize your life.

Eight important things that are missing from your budget, by comico of the Budget Mom.com.

It happens all the time. You're a couple months into your new budget and then all of a sudden you've blown it.

You're sitting there wondering where your money went and how you didn't see this coming.

You need to set yourself up for success from the start and that means making sure you're

including these items in your budget. Number one, gifts. Budgeting is all about

planning. It's vital that you plan ahead and include gift giving in your budget.

You need to be aware of upcoming birthdays, holidays, and special occasions.

They happen like clockwork and you need to have money set aside to cover the costs.

No, I don't mean pulling the money out of savings.

How much did you spend on Christmas gifts last year? Are there

birthdays that you spend money on time and time again? To determine the amount you

need to set aside monthly, you need to investigate your spending habits from the previous year.

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