So one of my (our) new years resolutions is to really buckle down, watch our spending, and starting putting money in a savings account.

Do you budget? If so, are you really strict with it?

Jay is getting his Pell Grant soon, and what I've kind of decided is that half of it is going towards things that we need/want (laptop, ps4, New headlights for his car, gifts we still need to buy for people, New bedding, etc) & the other half is going into a new savings account that we're going to open with like Chase bank. And the rule is, neither one of us can touch it unless it's a big emergency. I've also decided that the money he gets from his wife ($300/mo) is gonna go in every month.

We're also going to sit down and figure out exactly how much we pay total for our bills and from there, I want labeled envelopes for groceries, entertainment/drinking/eating out/video games/whatever, and gas/metro cards. There will be a set amount of cash in them and that's what we have for those things. And whatever is leftover at the end of the month is going straight to the savings account.

Because it's really time for us to start buckling down. Even if we aren't able to buy a house as soon as we move back to Nashville, we'll have a good start. And there are a ton of other things I intend to save up for.....

So yeah. Are you a budgeter like that?