Write about your approach to budgeting.

My husband and I do have a budget spreadsheet that we utilize that shows all of our bills, including the credit cards and what each balance is compared to what the credit limit is. We have lived together for almost ten years, and we have always budgeted. Prior to marriage we did set up a joint account specifically for bills.

Back before we had all of our money combined, how we would budget was we would calculate out what our bills added up to for the month, and we would make sure we always set at least that amount of money into our joint account for bills. We still had our own separate accounts and would spend our leftover money on basically whatever we wanted, but we always made sure the bills were paid first!

Now all of our money is combined and we are always checking in and using “extra money” to pay down debt after our normal bills are paid! We have fun things in the budget like my nails and coffee, but we also are very mindful and always check in to make sure we are on the same page and reaching our financial goals!