Assets and liabilities: my "spiritual budget"

Originally appeared on

Let me see now … I owe rent, utilities, my car payment and related maintenance costs to commute, and insurance for my car, health, and life. I need to eat, maintain my personal hygiene, and have a professional wardrobe. I need to put money away into my retirement account and save for a rainy day. Is that everything? Oh, what about that school loan which I took out to help me earn a degree and benefit my career? And I can’t forget my credit card statements, which include furniture and products that I needed to buy to set up housekeeping.

Well, I think that’s it. Oh, except for the incidentals, like eating out, which come up daily or monthly and which also must be put into the budget. (Budget, what budget?)

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