Random Ramblings: Are You Spending Within Your Budget?

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Today’s payday at our house. Know what that means?  Time to budget for the next two weeks!  While we follow Dave Ramsey’s Financial Peace Program for the most part, we do not use cash for every single purchase. Here are the items that we do try to use cash for:


  • Groceries
  • Restaurants
  • Miscellaneous Expenses (i.e. birthday party gifts, teacher gifts, field trips, etc.)


The rest of our money stays budgeted on a very detailed spreadsheet.  (Can you tell my hubby’s an engineer?) This helps us plan for future expenses as well as manage our monthly budget.



That all sounds really good, right? (And maybe like we even know what we’re doing . . . ?)  However, these last few weeks of school have been a little crazy (with teacher’s gifts and school parties and way too much moo-lah spent on hot dogs at the ball park!)  Which means . . . . I’ve done a poor job of keeping track of our expenses.  While I think I’ve spent only about $50 beyond my budgeted expenses on my debit card, I can see how my lack of discipline has led me to slowly just hand over the debit card for purchases that aren’t necessary.  (Arghhhhhhh!)


So, since it’s a new day at our house, I’m hoping to get back on track, especially as summer is here and it’s very easy to overspend!  If you’re new to couponing (or budgeting!), this is a great time to determine where you want your money to be spent in your home. For our family, it’s not just about penny pinching, it’s about choosing how we want to spend our money.  (We’d rather enjoy a family vacation than spend too much on groceries!)



How does your family’s budget look right now?  Are you staying on track and within budget, or feeling overwhelmed with all of it right now?  (Free free to comment anonymously if you’d like!) Wherever you’re at in your finances, please be encouraged that everyone starts somewhere, and after years of steady penny pinching I promise that it really does pay off. . . so determine your goals and know that you can reach them!


“And my God will meet all your needs according to his glorious riches in Christ Jesus.” Philippians 4:19

Read more ideas for planning your grocery budget over HERE.

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