October was a lousy month for us. We overspent in every single category of our budget. While we still are living within our means, I must admit I was more than a little disappointed in our spending.
In the end, I think we just got lazy. Our committments outside the home have really picked up, and it’s been a lot easier to grab a meal on the go than to make one at home. I haven’t used coupons as much as I usually do, or even watched the sales all that closely. I haven’t managed my stockpiles as well as I usually do. I just haven’t been as on top of things as I normally am.
Looking at our October numbers, I realized that it’s been a long time since my husband and I sat down and really looked at our budget. Sure we go over our income and expenditures every month, but we haven’t sat down and reviewed our financial goals for awhile and made sure that our budget numbers are appropriate to our ever-changing situation. This isn’t the first month that we haven’t be on budget, and I think it is important that my husband and revisit the topic. Either the budget or our spending needs tweaking (probably both!).
My goal for November is to have that chat with my husband and to crunch some numbers. I’d like to start the new year with a new financial plan for our family and I’d like to start that planning now.
How did October go for you? What are your goals for November?