Hello Wine Embers, my name is Jesse Mekum with another episode of the Wine Em Podcast

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

of debt, maybe save more money.

Today, I want to talk about rule three specifically.

We call it rolling with the punches and it basically means that you are going to be

flexible, that you are going to adjust.

And the key here is that a budget is flexible, it bends, but it does not break.

All too often, we start to kind of lean on that rule in a way that is highly inappropriate.

And what I mean by that is you spend and then you just think, I'll just, I'll take care

of that later.

And there's something lost there in that little transaction in your mind.

What is lost is that you haven't actually decided beforehand what that money needs

to do.

So we often talk about covering overspending, but you really don't ever want to, I don't

like the word overspend, but you really don't want to ever spend from a category that

is underfunded.

You want to always be spending from a category where there are sufficient funds, which

just means that we are still just as flexible.

It means that you end up looking before you spend and not covering it after.

So you reallocate before the spending, reallocate as necessary and then spend.

If you only ever spend when the money is there beforehand, you'll make sure that your

decision making is top notch, absolutely top notch.

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