How do you budget for your variable bills? This includes things like electricity, gas for your house and your car, and medical expenses. You know that these bills come in every month, but they may change according to the weather, the price of the item or circumstances completely out of control. So how do you decided how much to budget each month? There are two schools of thought on this matter. The first is that you look at your records for the past year and add up the total. You divide that number by twelve. Then you budget the average … Continue reading →