And really, that’s what budgeting is all about! ![]() I don’t have to check in when I see something in the $5 Target bin I want, as long as there’s still $5 left in my line! It keeps us accountable to our budget and to each other-but it also gives us freedom to spend. My husband Winston and I each have our own fun money lines-and you should too if you’re married. ![]() Planning this amount ahead of time helps you spend guilt-free and avoid overspending on impulse buys. I want you to put aside some money each month to spend on whatever you want. Fun and Entertainment Fun (or Personal) Money If you need to free up cash for one of the Baby Steps or get more margin in your budget, this is a great place to cut spending and save money!ġ0. That’s right: Restaurants fit nicely under your food budget category, but they aren’t an essential and they aren’t one of the Four Walls. Because you have to eat-but you don’t have to eat out. Make sure groceries and restaurants each have their own budget lines. Pro tip: If you’re having trouble taming this budget line, check out my free meal planner to help you get that number down. 1 Yeah, inflation has done a number on food costs. A thrifty single adult is spending somewhere around $224.50 to $311.30. If you’re wondering, the average family of four in the “thrifty” range spends $975.80 a month on groceries. Those are food, utilities, shelter and transportation. ![]() Now let’s start talking about those monthly expenses! The first ones to cover are what I call the Four Walls-which are the basic necessities you need to survive.
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