One of the best ways to blow a budget is to assume that you have a certain amount of money before it actually is deposited into your banking account.
Things happen and the expected amount can end up being far less that imagined. That big inheritance can disappear with medical bills, that bonus may be cut due to unexpected company changes and you may have made a mistake on that tax return. Justifying expenditures now on money that you think you'll have in the future is a quick way to seriously foul up your budget.


