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Back to the basics for 2010 & $146.13 in change!

December 7th, 2009 at 02:21 pm



Actually, we're starting a little early with a checklist of financial things to do now and in the coming year. One of the more important tasks was to revamp our zero based budget to reflect the changes the business has undergone in the last year.

So, this morning I dug out the Dave Ramsey Monthly Cash Flow and Irregular Income Planning sheets and we've spent most of today, in between patients, coming up with figures to put on those sheets. Since our income and expenses vary substantially we budget a little over what the average for each expense is and any surplus goes in a separate envelope in case we need it for the same expense in the near future. It's a little complicated that way but we don't come up short on any bill payments. We're just about finished with the Monthly Cash Flow sheets and will work on the Irregular Income Planning tonight.

We also hauled 27 lbs. of change to the bank to be rolled and deposited into our main account. They charge 10% to roll and wrap the change but neither of us is too enthused about doing it and it's worth 10% to not have to do it. The man person guessed there was at least one hundred dollars and I figured the total would be over $125 but I just checked the bank account and discovered $146.13 was deposited. Sweet!

More on 2010 finances later...

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