Setting up our September budget
Every one of my monthly budgets usually start the month before it, or even a whole year before, because the data I need for my monthly budgets are generated in the month/s preceding. September is no exception. I have three credit cards where I charge our electricity, cellphone, internet, grocery, gas, insurance premiums and personal expenses. They have different due dates, but I monitor their balances either through an app or the bank's website so even before the statement arrives, I can already estimate how much my credit card bill will be. I really just wait for the credit card bill so I know when the due date is, because it sometimes changes by a day or two, and then I can log it in my journal in green ink for easy reference. I also log in my journal the recurring monthly expenses like mortgage payments, condo dues, my son's therapy fees, and donations. However, I don't log my kasambahay's salary due because I pay her the same day I get my own salary, so that's a
