Andrew Sackville-West <[EMAIL PROTECTED]> writes:

> Not to jump in the middle but I think you guys are trying to compare 
> apple to cars. I don't think it really matters how a person developed a 
> liability (car loan, mortgage, CC, whatever), what does matter from a 
> Personal Budgeting standpoint is how you can afford to pay that sucker 
> down. 

What is going on here is that there are simply two different kinds of
budgeting: expense budgeting, and cash budgeting.

Any decent budgeting system would do both.

I'm only a poor graduate student, and I do my annual budgeting with a
gnumeric spreadsheet, and I certainly do both.

Thomas
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