No Spend Tips...

First, I am sorry to have been MIA these past few days. I've been taking care of my sweet baby girl who is cutting 4 teeth, poor little darling. I have a brief break so I will be quick today.

Something I realized this month is when we have money we spend it. We don't spend it as wisely when it is just hanging out in our checking account. Last month I was able to do so much with our money...all good things. This month, we have eaten out more than the twice a month I had planned. Why? Because we can, plain and simple.

I have come to the sad realization that I am not very disciplined with money. It is hard to say that but it is the truth. I do great when I spend it all at one time on things that are needed or to pay bills off. Having X amount of money in the checking account is to tempting for me and for my husband. He isn't very good knowing there is money in the account either. So, we have decided to spend all the money each payday only leaving $50 for the unexpected. We did that during our NSM and it worked great. Knowing we didn't have money, or a lot of it kept us cooking at home and sticking to our meal plan. We were much more prudent last month than we have been so far this month...our 'spend month'. Boy we took that term literally, didn't we?

Bottom line for us, we can't have excess money laying around with no where to go but in the trash...