When  I started the new year, I told myself that I was going to stick to my budget.    Following a budget is like balancing your checkbook, you should balance it weekly to make sure you are on track for the month. I know it is hard but it can be done.  If you are like me you probably have the standard household bills like: house payment, car payments, insurance, credit cards and last but not least Daycare.  Paying $800+ a month in daycare and $3 a gallon for gasoline you have to curb your finances somewhere.   My wife and I did it by eating at home or packing our lunch. Did you know that by doing that just for lunch, we are saving $100 a week/$400 a month. 

Do you have a Budget? What is your secret for saving money? What would you do if you had $400 extra a month? Pay extra on credit cards?, put it in the bank?

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