any moms out there who create monthly or yearly budgets and financial plans? I've been trying to do this but am discovering it's much harder than it sounds, and it always seems we run into something so unexpected and it throws everything off! How do you do it? Any tools or apps that you like?
We also have a Christmas fund where every week my hubby has $15 taken out of his account and we are not allowed to touch it until the first of November so that way we have money for Christmas.
Add up all your bills you have to pay monthly and when they are due by and create a spread sheet so you can check it off monthly to show that you did pay it
I give my hubby an envelope of cash every week so he can buy gas and his cigs and some lunch for work and if he runs out he runs out until the net pay check so that way he isn't over spending
I also take $500 for clothes out of taxes for the kids to buy summer clothes and winter clothes again the following year
That is what we do