Budget Makeover

It has been almost one year since we became debt free. Looking back on this year the one thing we feel like we did not do well is save. We saved about 20% of our income but, with no debt we could be saving much more. In previous months we have created a budget and itemized categories and kept track of every dollar we spent. This worked well, but it has become very time consuming. When we were trying to get out of debt, this budget method was perfect because it allowed us to see where our money