How do I save money? I don't spend it. Except that I have to. So here's how.
Every month this is our budget:
$800-- Mortgage payment
$106-- Property Tax
$46-- Homeowners Insurance
$65-- Auto Insurance
$30-- Auto Maintenance
$8-- Auto Licensing/Registration
$70-- Household Supplies
$15-- School Supplies
$20-- Fun Activities
$76-- Personal Care
$17-- Life Insurance
Any income over and above this total goes into savings.
budget works like the envelope system; the first day of every month, the
budgeted amount is added to each category. Money not spent in previous
months creates a surplus in its category; money spent over the budget
creates a deficit that is taken out of the next month's allowance for
As I write about each line-item, It will be linked from here-- in case you don't want to read every single post from the very beginning in hopes of not missing any.