Remove Communications Remove Debt Remove December Remove Property Taxes
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Family Budget Spreadsheets 2021

Family Balance Sheet

I created it as a way to communicate our finances to my husband. Years ago, there was a month where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. Many years ago, we could say yes to the questions in the above graphic. This is a 12-month spreadsheet.

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A Goal Without a Plan is Just a Wish

Family Balance Sheet

However a few years ago, we found ourselves with too much debt and not enough cash. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. As much as I wanted to be a property owner, the extra debt was beginning to suffocate us.

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