Managing Family Food Money - Part 3
As promised, this will be the last of my posts on managing family food money. On top of that, I’ll keep it short and sweet. In my second post I mentioned a “trick” to making our grocery budget appear like it was cut in half. So, here it is.
I receive paychecks bi-weekly, so I get 26 paychecks a year. As most people who are paid this way know, that means there are two months a year, 6 months apart from each other, when you receive three paychecks. If you do your budget by month, as we do, then those “extra” paychecks every 6 months provide an interesting opportunity.
Every 6 months we take that extra paycheck (admittedly, not the WHOLE paycheck but a definite majority of it) and put it in a separate savings account. Each month, we fund our grocery checking account half with money from my regular paychecks and half with money from this supplemental savings account. This has helped our budget considerably because it has the appearance of cutting our grocery budget in half each month. It also feels good to have a reserve of food money sitting in the bank in case of any emergency (such as a loss of job which seems to be so prevalent nowadays).
Ok, so maybe that’s not so tricky, but I thought it was clever. I’ll admit too that the months that have three paychecks do feel a bit tight when you are taking a bunch of money out for groceries, but it really has become a staple to making our grocery budget work for us. If you think you have the willpower, give it a try!
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