Fixed and Flexible Budgeting

I like to experiment with my budget. One of my latest budget Frankensteins has been to separate what I refer to as my “must pays” from my discretionary spending.

These “must pays” are bills that absolutely have to be paid. If they don’t get paid, I lose a house, the electricity goes off (not good in the south during the summer), or I don’t drive to work. So, extremely critical stuff.

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Renting vs. Buying

After two house buying experiences and three different renter experiences, I’ve come to the conclusion that renting, in the short term, is the way to go. I’ve always had an unsettled feeling about buying a home but have never expressed it because of the pervasive “renting is throwing away money” rhetoric.

Well, now I can feel at least somewhat vindicated. According to Moolanomy, there’s a “sobering” cost to home ownership in the short term.

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