Claire
Master Chef
Right now my husband and I are doing well, but I'm wondering, who has a set budget and how do you stick to it? Is it on paper and strict? When husband first retired, he was amazed that I can't (OK, don't want to) live by the numbers but that he could say, "Claire, we need to spend $XX.XX less next month," and I'd beat that number every time .... without paper, pen, anything. In other words, if he asked me to spend $50 less, I'd spend $100 less. Part of this is keeping a full pantry (including freezer and fridge), part of it is just not buying any clothes at all. A big part of it is, as my mom says, I'm just not a high maintenance woman. But how do you do it? I'm curious because I have friends who are struggling.