Well this year has been pretty much a bust on our budget so much has gone on and health wise not so great so I just didn't stick to it like I should have and we will end the year with no savings and owing on the CC (which was hacked, so sorting it out), but we did use it and owe on it...so I have done our 2023 budget and I'm going to stick to it no matter what...

Our CC is the only debt we have but it is big (big for me anyways) I hate CC but keep it as we are retired we can no longer get loans, but that is okay I don't like owing anyways. I monthly bills are always paid early or on time and we have great credit history. 

So as it stands our

CC will be paid off in feb

ice Acct will have $2000 in it march (we will then $100 a month to it to build it up)

We will be putting $100 a month away for christmas

any extra money we have will be put into our savings account to buy a house..only done budget till July next year but as it stands we should have $13,500 saved...about 1/5 of what we need for a deposit but we will be getting there slowly but surely.

We have several accounts

everyday

both have our own mad money accts

ins

car

christmas

savings (house)

POM

ice

We think that is enough accounts for us....it should work out and then if anything comes up we should be able to cover it....I have underestimated our income so we could potentially save more but I don't do it to the penny as some of our income is in US $ and that will depend on the exchange rate which also affects our income over here...also doesn't include any tax returns etc...just our base income...I also try to inflate our bills as they keep going up. 

If there is anything you think I may have missed then let me know...and no we don't do a retirement fund like you guys do...we do if we are working...but it is different here.