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Amy and Abby, Thanks for your comments! And thanks for your efforts to plan/budget! One of the keys is something you both mentioned – that plans need to be achievable/realistic. And then, when “life” doesn’t seem to want to follow your plan this month, being flexible – moving some of the money from one or more categories to “make up” the stressed category. The tools in the planner can assist you with this. Or, if you are using some other method, make sure it can provide that flexibility.

We’re all here to encourage one another. We serve a great God, and He wants us all to have the freedom that comes from being a faithful steward!