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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I have the same $3000 budget every month for my credit card. I fit Christmas into that from Sept-December. I try to spread it out and make other big expenditures in other months. If I go over I go on a no spend January and Feb. It works for me.[/quote] Is your credit card monthly spending your "discretionary" spending? Or does it include household expenses, car repairs, etc?[/quote] DH pays mortgage, utilities, car payment/repairs. I cover all groceries, food out, clothes for me and kids, gym memberships, annual beach house rental, clothes and anything else discretionary. [/quote]
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