 I do a budget every quarter the advice we all need I used to do an annual budget and it never worked it always fell apart it doesn't work and the guidance we could all use some months it works and then some months it doesn't work the Ramsey show you can't do that on a quarterly or annual basis it does not work oh we went over on our budget again budgets don't work no you didn't stick to it budgets work if you stick to them nights 9 to 10 here on 1340 WBIW