One of our goals for this year is to be more disciplined about our finances, and we are really happy to be able to say that we’ve been successful so far. It has been a process of being more careful, saying no a bit more often, and tracking our finances more carefully. It is not that we were doing anything seriously wrong, but just that we were spending a little bit too much, a little bit too consistently, and that shortfall was accumulating quickly….and we’d rather be adding to savings than taking from it.

The most important change we made was to track all of our money in detail which is really easy with 22seven. Once we had a feel for how our spending was split up it was much easier to set up a realistic budget, but one that also pushed us to cut down in certain areas.

We still have a road to walk with this, but I do feel we can celebrate the victory that we’ve had so far.