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[quote=Anonymous][quote=Anonymous]I am wondering whether it is possible to get through a day without spending on anything that is not necessary.  So, apart from spending a metro fare to and from work (or gas) is it possible to spend nothing else?  I am asking because in trying to get a handle on the family budget, after the mortgage, the biggest category of expenditures falls into "Other" - about $3,000 per month.  About half of that includes discretionary expenditures made for: travel, eating out, "general merchandise (wife's little shopping trips)" and gas for her car (I take metro, she is SAHM).  I feel a bit frustrated sometimes b/c I feel that I am doing my best to be frugal, and almost every day DW seems to drop $50 - $100 on anything ranging from groceries, to clothing to the aformentioned "general merchandise."  I am being unreasonable thinking she can get through a day without spending something? [/quote]

OP - we are cosmically connected!  I posted about being broke on here and somebody suggested mint.com.  I downloaded our bank statements into the thing and voila! We are broke from little daily expensitures like coffees, lunches, ATM withdrawals, etc., that add up to maybe $2000/month!!  I almost fainted.  I told DH that we have to spend NOTHING all day or else we will continue to be broke and overdraft and use credit.  He understands, and we are packing our lunches and K-cups for work, so I hope your DW will understand too.  I even utilized the info from mint.com to do a quick list on Excel of our monthly income, regular bills, and a budget for all other expenditures so we can stay on track.  I think I am going to do the cash-in-an-envelope method of budgeting for all the extras per month, like Dr co-pays, home improvement, gifts, clothes, etc., so that at the end of the month we can use that money however we chose.

Good luck![/quote]

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