Does budgeting ever get easier? I’m not sure. I mean, I hope so. That’s why we’re working so hard to get our debt paid off – that will free up money to spend on fun things!
This month was another rough one. I suppose that’s to be expected with the first holiday of the season here: Thanksgiving. Plus, we had a few unexpected repairs and expenses that put our spending over budget for the month.
We’re having to make up for it now, in December.
And that isn’t fun.
But it’s a necessity if we want to stop living on credit cards! So, that’s what we do. All in all, we spent $540 MORE than our income in November. Which means we have to spend $540 LESS than we’ll make in December to make up for it.
At Christmas time, it is going to be especially rough to trim our expenses. But we’re determined to get out from under this debt. Sigh.
Here’s how we spent more than we earned in November:
We even used the envelope system this month to help us stay on track. Turns out using cash doesn’t do much good if you just whip out the plastic (debit card… we cut up all of our credit cards so we’re not tempted to use them) to buy stuff when the cash runs out.
What tips and tricks do you have to curb spending around the holiday season?Interested in re-publishing this article on your blog or website? Awesome! All I ask is that you send me a quick note via my website so I can give you permission. Thank you!