2022 was an interesting year. Matt started the year unemployed, and I ended the year with only one job. We have adjusted and continue to achieve the balance of enjoying life and making memories with debt management and saving. This year has been the most balanced so far. We can definitely do better but I am hoping for another nice balanced year.

Groceries– budget amount is $700 I was able to meet this goal 5/12 months. Inflation is hard and especially felt at the grocery store. We are currently averaging $975 a month. This is the largest amount ever, including the years I had 2 in diapers.  I am going to make a couple of changes for 2023. First, I am going to increase the grocery budget to $975. With 3 teenagers in the house, I need to be realistic about this goal. However, I am going to attempt to participate in the pantry challenge for the month of January and February.  I will only be purchasing items we are completely out of during these months.  I am going to estimate $100 for each month. But depending on Diet Coke sales this may vary.

Auto/ Gas. My goal is $400 a month. Again inflation and we did use the camper for 5 long trips this year including two trips to Florida.  The average was $619.85 a month. This is another category that I need to increase. I am setting the amount at $600 a month with a strong hope that gas stays at less than $3.  a gallon. I will re-adjust this in June if needed.

Cash Envelope system- Goal Met!  This is currently a way of life so I am actually not going to include it next year.

Blogging- 15 post per month.  I have consistently blogged 11 or more times a month 11 out of 12 months. I also exceed my goal in August with 17.  I am going to leave this goal for consistency.

Exercise days-   This continues to be a struggle but not really a strong priority.

No Spend Days-No idea! I am wondering if I should eliminate this as long as we are using cash?

2023 will bring change for sure but I am hopefully that we adjust to the change without a roller coaster ride!