One of the biggest mistakes I’ve made is not having a budget until recently. I spent some time tracking expenses but it wasn’t until our finances were in trouble that I created a budget. If you don’t have a budget then I suggest you spend one month tracking expenses and then use those amounts to help create your budget. Reading a few books on creating a budget and how to save money will help you too. We’ve had a budget for a few months now and I recently tweaked a few things, putting more money in some areas and less in others. The budget has given me peace of mind. Instead of just winging it we have a plan. I’ll be sharing our budget in a future post.