We have a budget. When we started into adoption and saw the high cost of it, we knew we needed to buckle down, so to speak. Then, once the girls came (surprise... you're gonna have TWO in diapers), and I decided to stay home, it only made sense. We started out by sitting down and really examining what we spend on things that are monthly expenses. Groceries, diapers, cable, phone, cells, gas, electric, etc. Then, whatever was left, we divided into other things like savings for the girls and finally, our montly "fun" money. I say fun in quotes because Aaron wants things like household cleaners and needed baby supplies to be in that same category. I guess that makes some sense because they were unaccounted for items. This also has to include any meals out, gifts for birthdays, anniversarys, holidays, mail, stamps, anything. Anything not already budgeted for.
So, we have this x amount that we have for those miscellaneous items.
I guess what I'm asking is, do you budget and if so, how do you do it? Any tricks to the trade? Any suggestions? This is our biggest fight in our home. If we didn't have a budget, I wouldn't peg Aaron as the enemy. I've heard lots of people have been blogging about Dave Ramsey but I have no idea who he is. Do you record your spendings? Do you sit down once, twice, three times a month to discuss it? Do you blame each other? Any help would be great.
I'd say we've tried lots...
- Writing it on a wipe board in the kitchen
- Documenting in Excel
- Transferring x money for extra items into a cash card each month so we can't go over
- Breaking down the x money into smaller categories