Linda: I would suggest separating your food items from all other items. I have categories for toiletries, pet food, household supplies, beverages (sodas, beer, wine). Orange juice, milk falls under the food category. I also have another category for hair care which could include haircuts, hair colors that I do myself, etc. I allocate certain amounts to each category each month and of course, some months you don't spend as much, but you will spend it the following month, so I end up escrowing that money and moving it out of the month and transferring it to the money market. You just need to start somewhere even if its where you are and see how much you can lower each category.
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