Okay so for all my household systems, the area I'm falling down in right now is budgeting.
I have in the past had quite good budgeting skillz, but having just been hit with nearly $7000 in bills for cars and motorbikes I really need to get back into savings mode.
I find it easier to stick to a budget when I have something to be saving for. When we were married nearly 10 years ago, we said we would return to our honeymoon destination of Fiji for our tenth anniversary. That was when we were planning on two kids LOL. Seeing as we have a small baby and a not so small mortgage, it isn't going to happen this year. But I would LOVE to be able to go with my family July next year to celebrate the hubster's 40th birthday.
So that's my goal, now how to achieve it? Whilst I assume we will in fact win 1st division Tattslotto at some stage (because I am a winner) I can't say for sure when that will happen. In fact it really is surprising to me that it hasn't as yet! So a concrete plan will serve us well.
It can be a bit tricky with an income that varies week to week. Our big expenses are the mortgage which I put money into weekly, utilities and the like which I try to pay extra into fortnightly or so, and feeding the family. My grocery expenses have dropped since I've been baking more and planning better but I know I can improve even more if I start menu planning properly again.
So. Tell me about your budget. Do you use software? Just wing it? What are your main priorities and what are you saving for?