That money is going to be set aside and not talked about. Talked about money is vulnerable. There is ALWAYS some crisis that sucks it up. It's like the car or appliances know when I have extra money so they take it. It's going to be my secret.
I have goals for the money.
1. To have 3 months of income ready for the winter
2. To have an additional 2 months of income ready for whatever
3. To pay for the kiddo to take some classes at the community college.
4. Race entry fees. We love races and the community at them, but when you pay $30-80 per race per person it adds up!
That's a LOT I know, but my summer income is nearly triple my winter income, and food isn't the only place I am cutting back. I'm trying to get the whole family in on it. I know the kid is on board, just have to get the husband motivated! His weakness is vending machines. I'm going to assign each of us an allowance, so he can visit the machines SOME, but will know his limits.
I guess getting my stuff together financially was one of my New Year's Resolutions, even if I didn't realize it a month ago. :-)