...have been, for a couple of weeks, but then life got in the way! I'm hoping to be up and running by the first of March. Yes, I will share...when I get there!
My budget will not resemble the book's recommendations. I do not budget for longterm savings, only the short term, because we are retired and the money that is coming in has come in before, if you know what I mean. In the words of Auntie Mame (which you are all too young to remember), I want to "live! live! live!"
PS Now that you have given up expensive coffee, do I have to give up Tazo tea? One bag for breakfast and it makes two cups. Well, actually, I will, if I can't stay within my grocery budget any other way.
took all grocery $ as needs, less $1,000 as fresh fruit and veggies has become that important to us and i cook mostly from scratch. all eat out as wants. half the car costs in each, as we could get by with one car if Needed.
struggled with some rec. $$ as dh would go nuts without stuff like martial arts and the gym, but put it wants eventually.
so: spending is 50% needs and 50% wants. (savings is accounted separate as I get paid randomly sometimes not even once a year.)
no one who knows me will be surprised. with no mortgage our basics are arond $24,000 per year. that is with no mortgage, three people. but that includes ALOT for health insurance and health care.
which continues to amaze me as kim and others who pay rent/ mortgage living on not much more with more family members.