PLANNING AND FUDGE FACTORS; UNPLANNED EXPENSES AND PERSONAL FINANCE, THE MAIN REASON PEOPLE GO INTO DEBT

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How to balance a checkbook and easily find mistakes. When to pay bills and avoid late fees, penalties and bad marks on your credit record. How to keep unplanned expenses from making you go into debt.
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7.8 PLANNING AND FUDGE FACTORS; UNPLANNED EXPENSES AND PERSONAL FINANCE, THE MAIN REASON PEOPLE GO INTO DEBT

Careful planning helps you get a handle on most major expenses. It's those little extras that fool you and add up to a lot more than you expected.

While many people resist planning and list making, the amount of time spent planning is paid back many times in good organization and a clear mind. In addition through planning you tend to gain an overview and remember things that you would have otherwise forgotten.

Planning usually involves making a list of all the possible expenses some of which you may not know and then adding a "fudge factor" of 20% -50% for unexpected costs.

Travel is a good case in point. You know roughly how much the hotel is going to cost and the meals, but what about the tax, tips, cabs in the pouring rain; how about museums, amusement parks, snacks, souvenirs?


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