Intentional Spending

I first want to say I am not cheap!  I don't buy the cheapest item just because I want to save money.  I do like finding a good deal on things that are high quality.  I don't like sacrificing quality for price.  I try to never pay full price for anything.  

When I say our spending it intentional what I mean is that Mark and I sit down around November and hash out the budget.  Some things are constants in the budget.  Mortgage, phone, insurance pretty much stay the same.  Some vary like gas, water, electric.  After years of budgeting we can average out what we spent the year before and add if needed to the new budget.  

Here is what we do know we have to pay something first so they go in the budget first.  Then what is "leftover" is up for dividing.  This is not a fool proof plan. Medical never gets budgeted enough money.  Which is why you should have a savings account.  Every category gets a set amount of money that doesn't exceed our yearly income.  We spend it on paper first.  If there is no money left in home upkeep for the year.....nothing gets done unless it is an emergency situation.

This is what I mean by intentional spending.  Spend it on paper first and then try to stick to the budget.