I am working on scrutinizing the daily spending. The biggest cause of money "leak" has been my grocery buying schedule. I buy groceries a week at a time. I plan meals through Friday. But I don't go shopping until Sunday. So, saturday comes around and there are no groceries in the house. So we end up eating meals out all weekend. Major leak!!! This week, I got groceries on Friday night and we have not eaten out this weekend. Problem solved.

My next goal is to scrutinize the "fun" money. I need to find more family friendly activites that are free or low cost. Fortunately, we live in a very family oriented and active community. We have a lake, trails, great rec center, decent library, and the city as well as our community organizations provide lots of free or low cost activities. I will be working on scheduling are fun outings around those activities.

The third goal is to start scraping all extra money into savings. The savings accounts need to be bulked up in a desperate way.

It should be an interesting experiment to see how many "leaks" I can find and plug.