New Budgets

Dale and I are taking the Financial Peace University class at our church. Yes, we did a different financial course a few years ago. But lots has changed since then, so we're taking this course to ease the transition back from single income to double income (yay God!). This week we did our new budget. It's a zero balance budget - every dollar for the month of April is designated, as of tonight! If we want to change something, we have to change something else - we can't just spend $20 extra on groceries without taking $20 out somewhere else. Oh, and we're going to cash for certain items (groceries, restaurants, clothes). This is ironic, given that we almost never use cash anymore! It's gonna be a big switch, but we're excited about it! We're finally going to be systematically saving for a new car, a vacation, painting the house, etc. Before we were just randomly saving, but now the saving is allocated. Pretty cool!