I have been reviewing what I have paid out over the past year, but have not actually sat down and figured out a budget for groceries and other 'non fixed' expenses. I have been trying (pretty successfully) to reduce spending in every way that I can in an effort to pay off some debt (HELOC-for some much needed updates, and the car payment). I noticed a big difference when my checking account statement was 1-1/2 pages shorter this month than usual.
I knew we needed to review our spending habits when I had to take full advantage of the 15 day grace periods for mortgage and car payments, and sometimes had to take money out of my savings to pay on time!!! DH and I make more than enough to cover our bills, so I had no idea what the problem was.
When I began to look back at the bank statements, I got the idea. (By the way, last month I was able to pay the mortgage within 7 days, and the car payment on time....For October I should have the mortgage payment by the 1st!)
So.......I am working on the budget....I am hoping to have one in place by the 1st of the year.