For 2021 and going forward, I made an adjustment to my variables plan. Currently, in addition to fixed or regular expenses, I subtract $200 for taxes and insurance. Now I'm adding another $200 for projects. That will make my variables -- my "everything else" spending -- pretty low, but doable, I think. If it's too tough, I can adjust again. It should be a good discipline, though.
Yesterday I did one load of laundry and had a picture made into a 5x7 print for $2.75. Variables are at 1%!
January 3rd, 2021 at 07:55 pm 1609703759
January 3rd, 2021 at 09:58 pm 1609711114
January 4th, 2021 at 12:08 am 1609718912