Budgeting. The dirty word that nobody wants to talk about, but EVERYBODY wants to excel at innately or learn through some sort of magical osmosis. But then month after month and then year after year we spend our hard earned money and have no clue where it goes. ORRRR we work really hard on our budget, and rock it’s socks off for a month until a holiday or birthday or field trip or soccer uniform pops up and throws a wrench into our perfectly laid plans. AND THEN we deviate from the budget a little…and then a lot…and then we throw the budget out the window and go back to…