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When my wife and I were first married in 1979 we had a combined debt of about $6000. She didn't think that we would ever get it paid off, but she didn't know about the "Budget". I pulled out a sheet of graph paper and told her that it represented the next twelve months and that there would be a diagonal line from 6000 to zero.<br> I knew that she had no idea how she spent her money, so I asked her to just tell me when she bought something and give me the receipt. With my Apple II computer and the old Visacalc spreadsheet I created the "Budget". After a few months I was able to show her our spending patterns and how we were reducing that debt. She was amazed!<br> Over the last 29 years the "Budget" has become quite a bit more sophisticated, now I can tell if she's found a penny on the sidewalk (thats called variance). This probably wouldn't work for everyone but it works for us. The "Budget" now is really our spending plan. It enables us to plan for a lot of nice vacations! I really enjoy your program Clark and I learn something every time I listen.
By Ken Callen
