Household budget or lack thereof

Catching title huh! LOL

We have gotten ourselves stuck in a rut lately. What kind of rut? Well.......

I sit down and write out our budget and we do very well at paying our bills on time,saving (it's automatic) and with our grocery shopping. I manage to stay on budget for all of these most of the time. What is getting us into trouble is eating out!

I know I know that's a big no no when your are trying to live on a budget. But it's been crazy,we have been eating out 2 to 4 times a week. And it's killing our budget big time.

After yet another weekend of eating out each day,John and I sat down and talked about what's been going on in our budget in regards to eating out. He and I are on the same plate when it comes to pulling in the reigns on this now.

We will schedule times for us to go out to dinner of course but nothing like we have been doing. We are also going to go over the budget together from now on. Something I'm so very thankful for because up until now he's chose to be an on looker and not an active participant. This way he will know what we have and where it's going with out needing to ask me.

Our goal is to live the 10,10,80 formula and we have done the math and it's very manageable on our income. Unless of course your blowing your money like we have been. It makes me sick to think about how much we have mindlessly let slip through our hands. UGH! But there's no use crying over spilt milk but to push forward and learn from mistakes. So anything over our set weekly budget our of the 80% we will set into another account for the house or Christmas or things like that.

You know we found out just how much we were blowing by tracking our spending. Had we not started this we would not have realized how much damage we were doing to our family until it was too late.

God Bless,
Tammy