When I think about my family finances, I do not get caught up in the emotional traps that others seem to. Perhaps because I believe that managing money has, at its base, simple accounting and mathematic principles. If you can understand what the words “income” and “expenses” mean, then you can probably manage a budget, if you don’t let emotions get the best of you. Some simply look at their income and unwittingly imagine that their entire salary is theirs to spend. Unfortunately, only a…