Wow @thegaillery, this is one superb post. As a mom, I can deeply relate with the writing of future expenses/wishlist and revisiting them later. However, since I am a housewife with a variable stream of income. I need to take into consideration our fixed expenses first before the variable ones.
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Woah! You are one superb mom @raquelita :) I think it's harder to allocate the budget when you have kids to prioritize. I hope you still leave some for your self, though!
Yes, there are some surplus. It's a little bit harder to have savings.