Mo Money

Thank you all for your comments, tweets, and emails about how you budget / don't budget. I'm still trying to figure out what will work for us but it's helpful to know that we're not the only ones who find it difficult. 

I started building a spreadsheet for us to track our spending over the next few months with a general outline of what our ideal budget will look like but I am totally interested in looking at your spreadsheets if you want to share (hillary2LspleaseATgmailDOTcom)

I think part of the reason I have a tough time with budgeting is that I constantly feel like I'm in debt because of our mortgage.  BC real estate is gross and we have a giant mortgage so even though we don't have other debt, I feel like we're always behind. I need to find a way to frame it differently. How do you think of your mortgage? Is it debt to you? Or do you think of it as a monthly living expense like your utility bill?