We are making some serious changes to out budget. For one, with the dinner co-op, we don't have to buy nearly as much food. Granted, we have to buy 5 of whatever meal is me this week, and essentially cook for 30 people every Sunday instead of 5 people each day. But with such a small list (even if it is times 5) the grocery budget has been nearly halved. How nice!
We work in cash envelopes. We have for months... which really helps keep us on track. Using debit and credit cards, it is SO easy to over spend. So now I have broken down the budget even more and separated it into categories... those categories have a set amount. When that amount is gone, it's gone. Period. That should help even more. I will adjust folders and amounts as I go, but for now, I feel like this is right.
Zero Based Budget... here I come.