This week, I received the same dreaded email that you did, or soon will: it's time to work on the 2014 budget.

I hate the budget process. 

For one thing, it requires sitting still and giving your full attention to an Excel spreadsheet with a mile-long list of general ledger numbers. God bless the bean counters, they are as vital to a credit union as the air we breathe, but it is just not my thing.

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