Dream Crushing Debt Podcast

Using a spreadsheet, I've listed out all of my annual bills (and even my semi-annual bills) and then added them all up. That gives me a total for the year, and then in another cell, I enter a basic math formula that divides that total by 12. I know have a number I save every month into my savings account automatically.  --- Support this podcast: https://anchor.fm/dreamcrushingdebt/support