After reviewing my spending record and budget summaries, I realized that I was not at all sticking to my budget.
I was just making sure that I didn't spend more than I made.
But there were months were I'd spent ALL my flex money in one category (usually eating out or clothes & accessories). When I didn't spend more than I earned it was because I saved in other categories or got some unexpected income or gifts.
You know what they say, "God looks after babies and fools." I ain't a baby, so... LOL!
To reign this in I am going to try withdrawing my flex money at the start of each month. Once the cash is gone, I can't spend any more money.
This should all but guarantee that I don't go overboard each month. Reviewing last year's budget summaries, I never went over what I earned because of unforeseen bills. It was always discretionary spending.
Tomorrow: #4 -- Automate big trip savings.