There are three changes compared to December;
- The personal spending is reduced, and just for hubby, as I'm taking part in Carla's No Spend January.
- I've increased the mobile costs due to my new phone.
- The telephone line rental annual bill is due and then this amount will be be back to zero in February
What are your hopes for January?
January for me is the start of reducing food costs - store bought and going out. Also only shopping for clothes from my annual list. Fewer trips to the coffee shop too. That is enough!
ReplyDeleteWe don't spend a lot of extra money so I need to figure out what our rules are for a no spend month. We only spend $50 per week, so I am not going to reduce that.
ReplyDeleteI agree with you and Juhli, for us, it's all about reducing our food budget.
ReplyDeleteLooks like a great budget, Laura! :) Hubby doesn't wanna take part too? ;) lol!
ReplyDeleteI'll be joining Carla's January challenge also - I'm hoping to bump up my EF to an even $2000. As I already do zero based budgeting this will indeed by a challenge, but I'm up for it!
ReplyDeleteI'm planning on tracking my grocery costs much more closely and finally have DH on board with doing a zero based budget at last so we'll be starting that as soon as our refinance goes through.
ReplyDeletegood luck with the no spend challenge
Great looking budget!
ReplyDelete@Juhli - good luck, I'm trying to reduce food costs in January too
ReplyDelete@spendwise - good luck, let us know what you decide :)
@michelle - good luck!
@Carla - he's knocked £20 off his normal amount lol!
@Jane - me too!
@Louise - Grocery costs are definitely going to have to be a focus next year..all year I think! Nothing seems to get any cheaper! Good luck!
Lisa - Thanks Lisa!