As January drew to an end, Mike and I realized that the month had subtly allowed our spending to creep to a surprising amount. Our grocery bills, eating out budget, and medical expenditure categories all were among the highest in a while. Since we’ve been married, we’ve been mindful to adapt to a frugal lifestyle and have worked hard to keep leisure spending to a minimum, while still allowing ourselves to enjoy some of life’s pleasures, of course. Strategies such as applying the 48-hour rule with non-essential purchases and sticking to a meal plan were helpful ways we’ve learned to keep our expenses lower. But with the rising grocery prices, demands of our growing children, and the ease of online buying, sometimes it becomes too easy to make those purchases that push our spending limits. We realized that we needed a reset. In order to meet our financial goals, we …