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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP - Do you have an actual budget where you provide an allocation amount for all expenses?  You need to get one and follow one.  We use an app (Home Budget) to track our expenses and we have money allocated for every category.  This may help you on the control side if you know what you have allocated to spend on that category and whether you have money left that month.

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No we don't really have a budget .. we don't track it at least. I have tried in the past but run into difficulty tracking all 3 of the spenders. My nanny has a bank card my husband and myself. 
can home budget link all the spenders somehow ? or more than one person has a log in, or is it an app ? thanks very much I agree it would help a lot[/quote]

There are a number of Apps out there.  We like the simplicity of HomeBudget for tracking.  We figure out the budget amounts we want to set separately and just enter them into HomeBudget App and then enter expenses and they total up against the budget amounts to let you know where you are.  We use the paid version of the App (it was a couple of dollars) and it syncs up what DH and I put in separately.  there are a number of Apps on the market but I really like this because it gives me a monthly running total by category and I can see where I am going over.

We don't have fixed expenses like our mortgage and utilities on there because they do not change much and are not optional.  We have categories for groceries, pets, restaurants and entertaining, beauty (haircuts, products, etc), household, car, and clothing.  We have been doing this kind of tracking since late fall and it is eye opening and helpful.[/quote]

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