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Create A Monthly Margin Category
- Create a small 'margin' category in your budget as intentional wiggle room each month.
- Review and assign that margin with your partner during your monthly budget meeting.
Ben's $300 Flexible Buffer
- Ben keeps roughly $300 in a margin category that fluctuates month to month.
- He and his wife decide together where to deploy that money each month for flexibility or fun.
Margin Lowers Ongoing Budget Stress
- Leaving margin reduces stress and creates breathing room as income changes or debt is paid down.
- Removing margin habitually brings tension because more categories then compete for limited funds.