Let's talk about money. I think most people would wish they had more of it, especially when all the Christmas bills come in. I find that managing spending for a family of 5 can be tricky sometimes. I think that I have it planned and figured out and then someone always needs something or something breaks down. So, I decided to get really strict with spending this month. I think that it is really good to do, so that every purchase that you make is made with intention. It's so easy to just grab a coffee or snack on the go without a second thought. Maybe there were really cool trainers/runners/whatever the kids are calling them these days, that just got released and you just have to have them. You work out, so it's kind of necessary, right?
The truth is, spending can get away on us and I find that just like kicking the daily chocolate/cookie habit during the Christmas season, you have to do the same with the shopping volume. There might be some withdrawal because on-line shopping is so easy, plus there are so many great deals right now. Don't worry, there will be more great deals later too.
So, here's what I did. Jason and I look at and review our finances every month. We know that food is our #1 expense and can see how all the little expenses add up. I have set a strict budget for food (and other things) and put it in a budget tracker in my phone. I have also set out shopping days. If we run out of apples and I am not scheduled to go to the store for another 2 days, we will have to make due and ensure that all of the other produce gets eaten first. Most of you know that we don't really meal plan but prepare ingredients, but we are also going to try a standardized meal plan. I will talk more about this tomorrow, but if you want to try a little bit of a financial "diet" with me, please join along. Download a free budgeting app or expense tracker and set your spending goals. You will be amazed how much this can help get your finances back on track.