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The new year is right around the corner, and I’m going to be taking a long hard look at our finances. I tell my coupon classes that a budget is you telling where your money to go instead of it telling you (credit: internet and Dave Ramsey), but we fell off that train in the month of December. I know better and I did it anyway.
We’re going back to cash for everything except the bills we pay online. After those bills are paid, everything else is going to be withdrawn from the bank, and put into envelopes. Savings. Gasoline. Husband’s lunch. GROCERIES. Incidentals. There’s furniture we want to buy. There’s a possible vacation on the horizon. There’s home improvement projects we want to work on.
And we can’t do that if we’re living paycheck to paycheck.
Returning to full time employment after a period of unemployment is hard. There are a lot of gaps in my stockpile. Grocery prices are still rising, with no end in sight. I expect to see another jump for butter, sugar, and flour after the holidays. So, I’m going to put some money aside every month for those great deals you can’t seem to pass up.
What’s your budget? What are you going to do differently this year?
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