The Joy (Ha!) of Budgeting

So…a new year starts on Saturday and with that, a new budget. Budgeting is so much fun. (Insert eye roll here.) So that’s what I’ve been working on today. Fun times, fun times.
 
I love when I look at the budget and I’ve stuck to it. When I look at it and overspent on groceries (usually the place where I overspend), not so much.
 
But it is what it is. And I’m working diligently – with the aid of coffee – to get the new one ready by January’s first paycheck. Some adjustments had to be made in our utilities since our son moved back home (imagine that!) but today I cancelled a couple of magazine subscriptions because I wasn’t a big fan of those particular ones anyway; cancelled Sirius XM radio; and we’d already done a bill combination thing with our satellite and cell phone service that saved us some money. (Supposedly. Hubby did that and I haven’t seen the bill to prove it yet, so we’ll see. Next week, in fact.)
 
In light of the rising cost of eating well, I think I’ll work harder on my garden this year. Like, really hard. Don’t tell Hubby, but the whole back yard might turn into a garden. And there are enough flower beds back there that can be moved so we can re-landscape the front yard without buying plants.
 
We had been doing so good since we took Dave Ramsey’s FPU last year, but the last couple of months, I’ll admit that we’ve been lax. Remiss. Budget? What’s that? And now it’s time to buckle down.
 
We’ve got a 25th wedding anniversary coming up in July. I think a really nice trip is in order. So getting the finances back in order is the first step.
 
Do you do a budget? Do you find anything (forms, websites, etc.) that work especially well? Do you have ideas for cutting costs and reducing bills? Please share with the rest of us!
 
Back to the calculator I go!
 
Lynne 🙂
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