Last year when I included the word budget in my yearly goals it was because I did not have a choice. We needed to create and follow a budget. I knew that my husband was entering the final stages of his life and my income would drastically be reduced. And that has happened. So it is more important that ever for me to study how to budget.
I have set up yearly spread sheets to track where my money was going (thanks for my brother). I wasn't surprised to find that I am spending way too much money at the grocery store and eating out. So I am going to work on those two areas this year and see if I can't cut back. My goal is to cut back by 30%. We will see how that goes.
I want to really pursue using coupons. That will take a pretty good effort on my part. I have been menu planning for some time now and if I stick to my menu plan then I do well. I will work to find the coupons that I need before I hit the grocery store.
As for eating out: We will have two days per month that we will eat out. We must know those days ahead of time and put them on my menu plan. That will help me to avoid the last minute drive through because it is late and I am tired.
What do you do for your budget woes? We all have them. I would love to hear your ideas.