Ledger book

I've gotten in the habit of filling in a ledger every expense that we do as a family.

Gas, Car Repairs, Groceries, Eat out, even business is recorded, household and monthly bills.

I've been able to see much more clearly where we spend too much and adjust accordingly.

For example, almost each month, the longest column is eating out, so that's where we have to cut down and I have to do better groceries and make better meals, because when the needed food items are not in the cupboards or in the fridge, it's very tempting to just eat out!

Now last month, we splurged in the household department, so accordingly, we made a commitment to not spend anymore in household until the new year.