Hello, Wine Ebers. My name is Jesse Meekham and this is podcast number 168 for you need a budget where we teach you four rules to help you stop living paycheck to paycheck get out of debt and save more money in all of the work and all of the effort that goes into saving more

money paying off debt if that's your priority or breaking that paycheck to

paycheck cycle which I would absolutely encourage you to do.

In all of your efforts, it's time, I think, every once in a while, let's say quarterly, to do a little

checkup. You should go to do a little checkup.

You should go to the doctor once a year

and get a checkup, and you should do a little checkup,

especially if you just started.

Maybe you just started this year,

maybe January 1 was your big kickoff day and you're

still going strong. It's now a good time to look back, gasp. We don't have you look

back a ton because frankly driving by looking in the rearview mirror is dangerous

when driving and when budgeting but looking back does offer you a lot of information especially as your first getting started.

These last three months or so have been extremely informative.

You've learned more about your spending than you may be ever new or wanted to know.

You've learned that things you don't care about.

Cutting back on those doesn't really hurt.

And you've also learned that it feels

really good to spend money on things you actually do care about. Now when

looking back you'll get data Let's say you get data on your groceries.

You look back and see that you spend $850 per month on your groceries,

and you've been budgeting 700. Just trying, trying to

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