Anonymous
12/24/2022 11:55
Subject: Re:When you started tracking your spending, what were you overspending on
What is overspending? Does every thing over bare necessities and fixed cost overspending? Is having more than one car for a person, overspending?
Ok. So discretionary spending that we can cut off if there is a need to tighten our belts.
- Eating out, take out, delivery, catered food (we entertain a lot) and buying coffee and snacks.
- Over prepping and more food buying than we can use - from WF and Costco.
- Cleaning service. Yard work.
- Subscriptions and services of all kinds of random stuff.
- Fines for bills.
- Amazon stuff. Just stupidly random.
- My "fun car"
- Entertaining and hosting parties
- Travelling in comfort
- Treating my extended family
- Not filing for reimbursement for medical expenses or college stuff.
I only mind the bolded because that is wasteful and lazy. Rest is ok. We want to do that.
Ok. So discretionary spending that we can cut off if there is a need to tighten our belts.
- Eating out, take out, delivery, catered food (we entertain a lot) and buying coffee and snacks.
- Over prepping and more food buying than we can use - from WF and Costco.
- Cleaning service. Yard work.
- Subscriptions and services of all kinds of random stuff.
- Fines for bills.
- Amazon stuff. Just stupidly random.
- My "fun car"
- Entertaining and hosting parties
- Travelling in comfort
- Treating my extended family
- Not filing for reimbursement for medical expenses or college stuff.
I only mind the bolded because that is wasteful and lazy. Rest is ok. We want to do that.
Anonymous
12/24/2022 11:28
Subject: When you started tracking your spending, what were you overspending on
Home improvements/interior design; gambling; Starbucks.
I was surprised that I don't spend as much on entertainment as I thought I did.
I was surprised that I don't spend as much on entertainment as I thought I did.
Anonymous
12/24/2022 08:59
Subject: Re:When you started tracking your spending, what were you overspending on
Whole foods
Anonymous
12/24/2022 08:58
Subject: When you started tracking your spending, what were you overspending on
Our take out budget is embarrassing, even for DCUM. Much higher than some posted. I hate weeknight cooking.
If I wanted to cut back, I'd batch cook on the weekends. I know how to reduce the line item, but the will is weak.
If I wanted to cut back, I'd batch cook on the weekends. I know how to reduce the line item, but the will is weak.
Anonymous
12/24/2022 08:56
Subject: When you started tracking your spending, what were you overspending on
Definitely eating out
Anonymous
12/24/2022 08:53
Subject: When you started tracking your spending, what were you overspending on
We realized we were overspending on mid priced restaurants. We felt like fancy dinners out and fast food for convenience were worth it but random trips to Chipotle and pizza weren’t.
Anonymous
12/24/2022 08:30
Subject: When you started tracking your spending, what were you overspending on
Anonymous wrote:Random impulse purchases from Amazon.
This. My husband was worse than me, but we were both guilty.
Anonymous
12/24/2022 08:29
Subject: When you started tracking your spending, what were you overspending on
Food
I realized that I am almost a prepper
I realized that I am almost a prepper
Anonymous
12/24/2022 08:02
Subject: When you started tracking your spending, what were you overspending on
Like the others - takeout food.
Anonymous
12/24/2022 07:45
Subject: When you started tracking your spending, what were you overspending on
Random impulse purchases from Amazon.
Anonymous
12/24/2022 06:57
Subject: Re:When you started tracking your spending, what were you overspending on
Same as everyone here so far - eating out. It is nuts, well over $800 a month and I honestly don't feel like a person that eats out often. In a month where we'd go to a nice restaurant, we'd be over $1000.
Also travel, but that didn't surprise me. Weekend cabins or Airbnbs, 1-2 trips per year, visiting family once or twice. For a family of four, it's a fortune these days.
Also travel, but that didn't surprise me. Weekend cabins or Airbnbs, 1-2 trips per year, visiting family once or twice. For a family of four, it's a fortune these days.
Anonymous
12/24/2022 05:42
Subject: When you started tracking your spending, what were you overspending on
Takeout / delivery
Baby clothes (started shopping second hand instead)
Random target runs/Amazon orders.
Baby clothes (started shopping second hand instead)
Random target runs/Amazon orders.
Anonymous
12/24/2022 05:38
Subject: When you started tracking your spending, what were you overspending on
Takeout/delivery
Anonymous
12/24/2022 05:20
Subject: When you started tracking your spending, what were you overspending on
Eating out
Anonymous
12/24/2022 05:20
Subject: When you started tracking your spending, what were you overspending on
I see You Need A Budget suggested often enough here, but hoping to get some insight from those who went through the process of diligently tracking their spending to see if there are some common themes.