It may come as a shock to my college math professor, but where my family's finances are concerned, I'm a budgeter. Just before a new month begins, I take some time to plan for the month's regular bills as well as any special events or holidays that might require setting some extra money aside. I even have a special notebook to track all this financial data (and shopping for a new notebook every year is half the fun of fiscal responsibility).
But as
proactive as I am with my monthly budgeting, I tend to be
reactive when it comes to my monthly utility bills. I take a guess at what my bill will be at the beginning of the month, and then I'm either excited when the bill is less than my estimate or—and this is much worse—upset when the bill exceeds my estimate, meaning I have to shuffle funds from some other part of my budget to cover it. Even with some recent efficiency improvements, the process of paying for my home's energy usage over the last few months has started to feel like a low-budget 1950's horror film called
Attack of the 50-Foot Utility Bill.
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