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Fine Tuning My Budget for the New Year


Friday, December 28, 2012

Did anyone go to the after Christmas shopping sales and come back with much of nothing like I did? I suppose I either am too much of a bargain shopper that 50% off doesn't impress me, or I just don't really need anything. emoticon

I did find a lot of items for my daughter at Michael's as they had their Christmas craft items 70% off and she had some money to spend, but that was essentially about all I got. I will admit that I got some Hershey's kisses marked down (and of course I used coupons) but they will be used and eaten throughout the year and since they are small and individually wrapped, I can indulge in one or two a day and not feel guilty.

I love small individual candies like that as I tend to savor them fully vs. popping tons of them one after another. If you're able to control your intake, they are great for that.

Next week I'm going to work yet again on decluttering as my small house is starting to get that "junky" feeling to me again. My freezer is looking great though as we have used up a lot of items in it and I love that. Unfortunately my fridge doesn't look the same, LOL.

So since it's almost a new year (3 days away) I am looking back at my goals for this year that I set at the beginning of the year and I find that I am repeating some of the same ones. I fulfilled one of them (if I'm remembering correctly) and that was to save more money this year than the following year and I hope to repeat that.

I met my goal weight (and actually below it) so have maintained that since losing all the weight. We paid off our house last year and this upcoming year I want to work on paying off our new van early.

My husband's job is iffy so I know I need to buckle down even more than I have and pay attention to the small things. I need to not waste as much food and not overbuy so will work on that in 2013.

For us to be an one income family (and not making that much) I'm proud of what we have accomplished, but I know I can fine tune my savings and do even better. There is ALWAYS room for improvement, no matter how small. Those small things really add up over time.

I wish I could get my husband to take his lunch to work but haven't been able to accomplish that, but I do make sure that 99% of the time when my kids and I go away from home that I pack a lunch for us to bring with us to save money.

I need to take the time to watch movies that we get through Amazon Prime (my children and husband do) and I did that on Christmas day but need to take advantage of it more.

I am getting better about not overbuying food, but still need to improve in that area as well. I know sometimes when I find such great deals that those things may not be as "special" to my family because they take them for granted so I will try to bring that feeling of items being "treats" and watch how much I buy no matter how cheap or free the items are.

An example of that is how we hardly ever go out to eat (even fast food) and it's special to the kids because of that. If we went out to eat all the time it would be taken for granted (and be very expensive) and not something they looked forward to on their birthdays or special occasions.

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