Thanks for stopping by and sharing your thoughts.

With a lot of unexpected health expenses, I’m still feeling our way through the whole budgeting process. And we definitely allow for reality. I think that’s the other big point. Even when you’re always on the run, or have health problems, you will probably want to believe that you’re going to be plenty frugal. Then you just get disappointed, frustrated and may end up quitting.

I suggest an alternative: reality. Accept your limitations. Budget for them. You can always work on them as you go along. For example, right now, neither my husband nor I are feeling well. My depression has been very bad lately. His health problems have been acting up. So we haven’t been cooking as much as we’d like. Which is to say, at all. We mostly scrounge around on the fast, easy meals that we stock up on: frozen foods, hot dogs, etc. And we budget for the fact that we will generally eat out or order in at least once a week, despite our best intentions. Sometimes we manage to avoid it. Generally not. While I do want to work on this over time, I am also sick of setting unrealistic goals that inevitably make me feel like a failure, rather than a person who is very sick.

- That’s one advice I follow everyday. It’s easier to save and maintain your budget if you see exactly how much money you’re spending. You’re forced to buy only what you can afford. More importantly, you miss out on paying interest.

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