I start at the beginning of the year and fill out my budget book. I have been doing this for 10+ years and it has evolved into the planners that I have created to share with you all. My husband and I sit down and work through our whole year in December. My husband used to hate this and now he sees how much it helps me to plan and actually have the funds set aside for all our big plans.
Toilet paper, makeup, diapers, wipes, toilet bowl cleaner... The list goes on and on. Use the repeat purchase planner to track how often you purchase some of the most common items in your household. Keeping track and estimating the cost of these purchases can relieve some strain off of your monthly groceries budget.
Planning and paying for children's activities can be an added stress in our already busy lives. Using this planner allows you to track the cost and the times that you pay for each activity.
Reviewing you quarterly spending can help you see patterns and help you and your spouse create future budgets based on previous spending. Make any adjustments going forward to your budget.
Having a planning meeting with your spouse to plan out your annual spending can help relieve some of the stress of unexpected expenses and making sure your money goes to where your family needs it most.
Dare to dream. List out items you would love to buy, so as your income starts to grow, you have goals to save for instead of spending the money every month and never knowing where it went.
Planning for birthdays, Christmas, vacations and large spending from the beginning will help take the stress of these family memories and make them something you hopefully look forward to instead of dread.
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