I'm guessing most of you are including this one. It's inevitable. My best advice is to set strict limits and be a smart shopper. Seek out bargains and buy when it's a deal, even if it's months ahead of time.

Medical - Unless you're lucky enough, or not lucky (depending on how you look at it), to qualify for medical assistance, you undoubtedly have medical expenses over and above cost of your health insurance; Co-pays for doctors and medicines, over-the-counter medications, dental and eye care expenses. Nope, can't omit it, have to include it. Sorry, it's a must have!

Vacation - If you have income, include this one to make planning less stressful. Get inventive if you don't have enough income. You can still have a vacation with limited, or no, travel expenses.

. . .or misconceptions about what warrants an emergency. An emergency is this case should be limited to an unexpected occurrence. No, if you've been listening, having to replace water pump on your car is not an emergency. A real emergency might include; loss of income, severe illness, or death in family.

Although we all hope such occurrences never happen to us, sometimes we aren't lucky enough to escape these unfortunate events in life.

You should try to set aside a specific amount, no matter how little, each month in an emergency fund to eventually equal at least three to six months of your current income.

This is simply spending more than you earn. Unfortunately, this is a direct consequence of budget blunders #1 and #2. When funds are not set aside for variable expenses and emergencies, you will inevitably turn to plastic money (credit cards) to bail out. Spending more than you earn is a sure sign that you're headed for trouble. When you spend future earnings it's like "counting your chickens before eggs hatch." The long term consequences are usually devastating. It's likely you'll end up in deep debt and eventually have no where to turn except counseling or bankruptcy. Don't let it get that far. Take control of your money. Now!

If you've been making these budget blunders, you're probably exhausted just considering all work you have to do on your budget. I'm exhausted just writing about it. The sooner you get started, sooner you'll be on path to a really successful budget.

Add up all your variable expenses and divide by twelve to come up with a monthly amount that you should be setting aside for this expense. Keep these funds separate from your monthly bill fund to avoid dipping into it accidentally.

Start with 5-10% of your income to start a savings, or apply to an existing savings, each month for your emergency fund.

Make sure your expenses are within your income. If not, start reviewing, eliminating, and reducing those expenses to fit into your income limits.

A good budget is like a good friend. It helps keep you strong and steady.

Click following link to see 'bootleg' video and to get Super Divergence Blueprint a full 24 hours before general public (and before it sells out!): http://tinyurl.com/74o2r

Just like a carpenter has a toolbox full of special tools, Super Divergence Blueprint is an extremely valuable addition to your trading toolbox. The next time a divergence setup occurs, you'll be prepared to take advantage of it.

As I mentioned in my last e-mail, only 1,000 copies are being produced, and many of them have already been pre-ordered, so supplies are dwindling even before official release date.

The good news is that Super Divergence Blueprint will be revealed to general public on Tuesday, April 26.

I will be sent a secret link a full 24 hours BEFORE general public that will allow you to reserve your very own copy of Super Divergence Blueprint - you'll find it in this article when I get link.

Joseph Sgro writes "THE 10 Simple Rules Ezine", a trading newsletter for the best trading information on the net. Find out more by visiting the links: http://www.tutorhelp.com.au/ezine.html For the preview 'bootleg' video: http://tinyurl.com/74o2r