If we look at our 2015 report from last week, I can pull out the categories that are from day-to-day spending rather than planned spending.
We have no credit card debt (I swear), but this is how it happens for sure. The money came from cash we had stashed for planned spending - for example taking money from the home or vehicle maintenance accounts.
We do have some money in our planned savings accounts, it's clear why we don't have as much as I think we should.
So. Do we change the budget, or do we spend differently?
I'm inclined to try to spend differently.
I talked about these categories generally in the 2015 spend review - but we need to get better about the $$ that goes in our mouths (or in the trash as the case may be). I think the Alcohol, Medical, Entertainment, and Pets are all pretty reasonable on a month to month basis. It's the Gas, Groceries, and Eating Out that we need to watch. Does this sound like a post I've written before?
If it does, it's because our groceries and eating out spending has always been something that we've struggled to manage.
My mom is a champion at shopping with flyers (we don't have coupon's like the United States) - and I'm starting to get re-aquainted with them. I'm hoping to pick up more of my mom's grocery spending tricks as I spend more time in her home.
Maybe if I started posted all the eating out transactions a month, or a week - that would help keep me disciplined? I'll have to think about that.
So, I don't think I can reduce the $425/week but I'm also not prepared to increase it. I would like to get it back down to $400, but we can't do that until we're spending differently unless we want to be pulling out credit cards again.