Tonight is our November money chat. We generally break open a couple bottles of beer and sit down with our budgets. Since we moved almost entirely to credit and check cards and we use an electronic monitoring program, it's been very easy for us to see where we're spending our money. In these monthly talks we discuss upcoming additional or non-budgeted expenses like toys or kids activities, new primer for the shutters Hawk made last year, Punch Brothers concerts, weddings or showers, and we look over the last month to see where we over/underspend.
My biggest temptation is our grocery budget. I haven't stayed on budget yet, though I think our budget is too low for the size and needs of our family. So we're looking into how to change things, where to shop differently, and what to cut out.
What area do you struggle with the most? I bet for someone it has to be clothes!
Posted by the Hawks Labels: budget