My new years resolution is to spend less money and spend more deliberately.

January is wrapping up and I’m kinda shocked. I discovered that the estimate in my head of how much monthly house bills are is… off… by… a lot… I was just thinking about the monthly bills like water, electricity, internet, but failed to account for gas, groceries, restaurants, and repairs.

Now that I’m actually budgeting and tracking, I’m seeing what’s really going on.