I am almost 1/3 of the way through the month, and I am finding that the monthly challenge for July has been very beneficial. We have had a lot of company, and I can get a realistic idea about how much money to plan to set aside in the future when we have company again. I am staying in my budget as usual, but by writing down what I spend I can get an accurate idea of just where the money is going. I can also look at what I have spent, and see if there are things I can do to improve.
Do you track every penny that you spend? Are you aware of where your money goes?
I've been tracking every penny spent for three years now and I can't tell you enough how helpful this has been for our budget.
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