Buying Second-Hand Clothing Grocery Spending Used 
Family Balance Sheet
JANUARY 5, 2015
In 2013, The Christmas Savings Club encouraged all of us to save monthly so that we could have a cash Christmas. In 2014, the Grocery Budget Challenge encouraged us to keep our grocery spending in line and to be creative with our meal planning so that we do not over-spend.
Family Balance Sheet
FEBRUARY 16, 2016
Consider setting the money aside in a savings account that isn’t immediately accessible and doesn’t have an ATM attached to it, to avoid any impulsive non-emergency spending. It is NOT a spending account. We use an online account like, Capital One 360 (my referral link). 18 – Use Cash Back Grocery apps.
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