I just want to insert a tip here. If you get to a point where you spend too much in one category, you'd have to find somewhere to pull money from to replace it. I want you to pull that money from within the same month budget, not next month. For example, we use the grocery category again, you've already spent $135. But there isn't enough to feed your family for the entire month. So you have to make an additional trip.

So the following week, you go and you spend another hundred and $50 and the week after that you spent $130. Then you decide you want to plan a huge family dinner for your extended family. So you go out again and spend another $120 during that third week. You're at a total of $535. But you still have to go to the grocery store next week, the last week of the month, but you only have $15 So you go to the store the last week, tried to be frugal, but you still ended up spending $115. So that's $100 you don't have in your budget.

Now most people would say, I'll just pull from next month's budget and shop like, but something usually comes up and you're not able to cut back. And so you're borrowing again and again from the following month. And then you're on a perpetual cycle of always being behind. This isn't the best practice. So what I recommend in my tip to you, it's not pulled out money from next month, but pull that money from another category. In that same month.

You can choose to pull that money from any of your wants categories, like dining out, or entertainment or shopping. Those things are easier to say no to them, putting food on your table.