- What did you learn in weeks one and two?
- Were your budgets for each category realistic?
- Were you spending significantly more or less than you realized?
- Did you find that you needed to add categories because you had expenses that you hadn't previously accounted for?
- Any other light bulb moments as a result of inspecting each receipt?
In our home, Jason refers to me as "in charge of the money" - his words, not mine. And while I am the one who creates the spreadsheets, enters the expenses, pays the bills and assesses our investments, it doesn't mean he's completely off the hook. We still talk about our budget on a regular basis. We choose to plan ahead for purchases we would like to make in the coming months and space them appropriately. We work together to deem where our money is best spent and what we want to achieve together down the road for our family.
This week, I'm challenging you each to review and reflect on your budget. Are there areas that your desired budget was way out of touch for what you really are spending? If so, you need to decide either a plan of action to get back within budget, or reevaluate whether your budget was a little too ambitious. I want you to include other adults or family members that share in these expenses in your budgeting. Talk with them about why you're creating a budget, get their input on what is feasible, discuss together the areas you feel you're overspending in and agree on a plan to reduce that spending. Once you've reflected and discussed the situation, get ready for a clean slate for February. If you are using the printable budget sheets, print a blank copy and fill it out. If using the Excel spreadsheet, make and save any changes you've deemed necessary. Wednesday is a new month, and a new opportunity to buckle down and cut back. You've got this!
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