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Working with a Budget

I have been working with YNAB (you need a budget) for the last several months. This has been a great way for me to "visualize" my spending and where the money goes. I have had to change the amounts in a few categories, but for the most part I have been successful in staying on track.

I still am working on building my one month of cash that will allow me the peace of mind to always be a head of the game. So far I have acquired about half of the 3000.00 that I need.
I just do not want to dip in to my savings, that money is better off where I can't get to it.

I have also been using Grocery Game for better prices with the use of coupons. The saving have been substantial. I have been able to buy items in multiple quantities and pay very little for them. For now, i have acquired toothpaste, paper towels, lip gloss, and toilet paper. These are items we always use and the savings I can use towards the purchase of other items that we really like at the grocery store. Oh... I have been able to reduce my monthly amount needed for groceries and that amount goes to savings or to home improvement.

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