Just wanted to point something out about my January 2009 Budget that might not be obvious at first glance.
It appears that my expenses are greater than my income in this month:
Beginning Balance - $850'
+ Income - $7,590
Subtotal - $8,440'
- Expenses - $8,129
Subtotal - $311
Save For Next Month - $311
Ending Balance - $0
But, my "expenses" includes $2,500 that I will transfer into our savings account to save for future months.