As you probably already know, we budget out all of our money (as best we can) every month before it’s even in our hands. Some (like Dave Ramsey) refer to this as a “zero-based budget.” Some call it a “goals-based budget.” Whatever you choose to call it, the gist is that you make a plan for your money before the month even starts so you can avoid that awful question of, “WHERE DID ALL OF OUR MONEY GO???” Have you ever felt that way? I KNOW we have. Well, here’s the thing. Even if you’re a “budgeting expert” you aren’t perfect, and this month, we are a great example of…