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Reply to "Budgets don't work"
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[quote=Anonymous]We try to keep monthly expenses as low as possible and have several savings pots. One for short term savings (vacations, appliances, etc.), one for long term savings (new furnace, new windows, new car). We max retirement. Kids' 529s are funded. That's it. If we hit a snag (lowered income, etc.) we can lower monthly expenses to a level that's needed and make sure we don't spend up a storm. The main important thing is not having a mortgage payment that's overly high.[/quote]
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