BunchePark
Coli N Calisthenics
I disagree about the budget bit. A budget should take the most conservative approach to accounting, meaning you factor it in. If you spend it, cool it's accounted for. If you don't, it's extra money left over.
It why a lot of people blow their budgets and can't keep their heads above water.
As far as what's required, again that's an individual thing. If you want your kid to grow up like Harry Potter not getting shyt and sleeping in a broom closet, that's your choice.
Preach!