Johnny and I find budgeting to be quite stifling. It’s our money, so we should get to do with it as we please, amiright? When we first started budgeting, sticking to each and every little category made us both feel downright claustrophobic. And so we said To heck with it!…

I had the covers pulled up to my neck, like always. It was pitch black, and I’d just told Johnny “Goodnight!” But then I rolled back over. “Hey Johnny, guess what?” “Hmm?” he replied, sleepily. He’s notorious for taking mere seconds to fall asleep. “Tomorrow starts a new month, which…