Finances

Each month, Chris and I budget $100 each to spend as "personal allowance." This includes eating out/coffee/activities we do separately (we have a joint family allowance budget of $100 as well) and purchases are that wants and not needs. To keep ourselves accountable, we use Mint to monitor our spending. As an extra layer of accountability I am sharing what I spent my personal allowance on each month and whether I stayed within budget. This is my fifth month of diligently tracking my spending and being transparent about it. And it feels great! Already this year we have reduced our... Read more →


Tracking our spending assiduously, including my own personal allowance spending, continues to be so satisfying. I'm finding it easy in some ways to stick (pretty much) to my budget of $100 of personal allowance spending per month, but hard in other ways. There are SO! MANY! things I want to buy during the month. By sharing my purchases at the end of the month I might make it look easy to stick to a personal allowance budget but please know that it is not without plenty of restraint! I've noticed that I'm especially bombarded with "wants" scrolling through Instagram or... Read more →


Although I'm a little behind on this update, staying accountable is helping me to stick to my monthly personal allowance budget. So, here's what I spent in March: $6.46 - Trolls soundtrack for the boys. Sadly, they weren't as into this as I had hoped so it didn't feel like money well spent. $9.65 - Treated a visiting friend to lunch at Uprooted Kitchen with the help of a gift card. $17.05 - Girls' night out with friends. Although I'm frustrated with myself because I realized after we had left that I was over-charged by about $5. I meant to... Read more →


After Chris and I both did a great job in January of staying within our personal allowance budgets we decreased our budgets. Chris decreased his from $150 to $80 and we decreased mine from $150 to $100. Note that we also have a joint personal allowance budget each month of $150 which covers any date nights plus babysitting and family outings including eating out. In February I continued my new habit of tracking every purchase in Mint and making sure it was appropriately categorized. I'm even going to far to split transactions if needed and allocate to different budgets. I... Read more →


In December, Chris and I had our annual goals and budget meeting. We reviewed our budget (kept in an Excel spreadsheet) and made sure each category of spending aligned correctly with a budget in Mint. We made a few changes and did some general tidying to our budget - it was so satisfying! So January felt like a "fresh" start to our budget (always appealing) plus Chris and I made a goal of spending very little of our personal allowance money. As a result I've been tracking every dollar we/I spend in Mint - and I have been loving it.... Read more →


I love making our home cozy and functional. It's essentially a project I'm always working on. And finally, after eight years, I'm starting to feel confident in how I want to decorate and style our home. I have a lot of ideas about the yard, too. But all these ideas often lead me to want things for the house, which can quickly translate to spending money. This year, Chris and I have an aggressive savings goal of $20,000. We chatted our our 2017 budget and savings goals in a recent Matrimoney episode if you'd like all the details. Our savings... Read more →


In October, even when it was still hot, my thoughts were pulled towards the new year and what goals I would set. My day to day was feeling too busy and I was craving reflection and focus. In six years of developing a practice of goal setting I've found that a few quiet moments, a blank piece of paper and a pen (or even a fresh note on my phone) can be incredibly calming and powerful. By my own design and doing my life is full. In 2016 I filled my plate more than I ever have. I got a... Read more →