It had to come to this. I've been spending way too much lately on who-knows-what and now that school is starting soon, I really need to take control of our finances and crack down on budgeting. So, this month I'm placing our family on a shopping ban. No unnecessary purchases, only absolute essentials.
-School shoes for Trace (his current shoes are tight on him)
-School uniform shirts for all three kids (tops only - last year's bottoms still fit fine)
-Backpacks for Chloe and Trace (Aniyah already has one)
-Doctors appointments, emergencies, fuel, bills, etc.
No spending on:
-School supplies (my parents buy the kids their supplies every year)
-JustFab, Fabletics, Fabkids, Julep, and other subscription services
-Clothes, shoes, accessories
-Lavish lunches, dining out
-Toys, games, non-school related items
I've never done a shopping ban or spending freeze before so this will be a learning experience for me. I've downloaded YNAB thanks to Steph's advice and will be actively looking for ways to cut down my spending this month (packing lunches, unplugging everything before leaving the house to keep the electricity bill down, reusing or selling old items, etc.). So, if you have any tips or advice for me, I'd really appreciate it! Wish me luck!