None of that sentence sounds good. Yeah, DW and I do one of those budgets each year. I know Dave Ramsey says to do a budget each month, but it is difficult enough for us once. The main problem is that our income is not rising, most categories got a slight increase, but nothing significant. The main problem category is savings. We don't save enough. If the mutual fund investing thing works, then I think we are ok for the future, but I would like to have a larger savings fund. But, unless I get another job or take out Disney vacations, there is not much money going in there. We have three old cars that won't last forever, and I'm not doing another car payment. The struggle continues.... Why? It's not like we can eat them.