How far ahead do you budget?

[buildmybudget]

I think all the comments indicate it really just depends on where you are in life. Those that are only budgeting savings clearly have reached a comfortable level of spending and have no need to figure out how to pay off credit cards and other debts. I think you should have financial goals and those goals should predicate how far out you budget.

You may need to figure out how long it takes to pay off three credit cards at your current payment. Of course, you can use calculators to figure this out--but if you want to know how it will impact your budget over that period of time, just extend your spreadsheet.