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The Family Piggy Bank The Family Piggy Bank

 You can have your cupcakes. You can have your candy. You can have your ice cream. I'm talking about those things that derail a diet. We all have that one food that can totally throw off our good work. For me, it's French fries. From McDonalds or from the five-star ritzy restaurant, doesn't matter, I love them. 

What is your budget buster? We all have those too...the ways we stray from the course, from the good track we are on. It could be anywhere, and often, they are a tad hidden, not so easy to find or discover til it's too late. Here are a few common hidden budget busters:

 -- Gifts. Birthday gifts for family or little friends of the kiddos. Anniversaries. Mother's Day. The cards, the flowers, the last-minute "I forget Aunt Martha!" moments all add up. Try to stick within a budget for each gift or buy in bulk items you can give when they go on sale (I do this for kids' birthday gifts).

-- Gadgets. We see a new version of our phone or iPad or computer or TV and get "gadget envy" and want the newest and latest and fastest. Even if we do get a new phone, we convince ourselves that the purchase price is all that phone will cost...but then the earphones and the case and then an app or two. All of that adds up.

-- Eating out. We get into a routine when we fall back on take out or a dinner or two out a week. This adds up, especially for those with larger families.

-- The Shopping Spiral. Imagine you need something for the house, so you head to the store or the mall. You get what you need, but then you spot another item that you think you need...and then a cute t-shirt for your daughter...and then you spot a deal for your face cream if you also buy a new lipstick -- and you walk out spending triple (if not more) than what you had planned on. Yes, the shopping starts to spiral away from the one thing you actually needed into more things that are not necessarily a need, but more a want.

What are your hidden budget busters?

©iStockphoto.com/ Sqback  


by on Oct. 30, 2012 at 12:00 AM
Replies (21-30):
KristinRox
by Member on Nov. 4, 2012 at 9:53 PM
1 mom liked this

I am EXACTLY like you. 

Quoting Rushn311:

I have a major spending problem when it comes to my kids, birthday parties, Christmas...


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Kainalu55
by Bronze Member on Nov. 4, 2012 at 9:55 PM

clothes for the kids!

Kainalu55
by Bronze Member on Nov. 4, 2012 at 9:55 PM

also Christmas!

Kainalu55
by Bronze Member on Nov. 4, 2012 at 9:56 PM
1 mom liked this

agreed! :-)

Quoting Rushn311:

I have a major spending problem when it comes to my kids, birthday parties, Christmas...


Kainalu55
by Bronze Member on Nov. 4, 2012 at 9:57 PM

same for me, always for the kids!

Quoting KristinRox:

I think for me its little things for the kids. WHen they have picture day I like to get them a new shirt.. or if they have an event at school I always like to buy from it, or donate money. It doesnt usually break the bank, but its definitely stuff that isnt in the written budget. 


countrygirlkat
by Member on Nov. 4, 2012 at 10:01 PM

For me it is when the kids get sick and then all the medications and doctor's visits add up quickly. 

KristinRox
by Member on Nov. 4, 2012 at 10:01 PM

Those little buggers are expensive.. hehe. 

Quoting Kainalu55:

same for me, always for the kids!

Quoting KristinRox:

I think for me its little things for the kids. WHen they have picture day I like to get them a new shirt.. or if they have an event at school I always like to buy from it, or donate money. It doesnt usually break the bank, but its definitely stuff that isnt in the written budget. 



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timon95
by on Nov. 4, 2012 at 11:43 PM

not much, maybe the occassional eating out, but that is it. the liitle unexpected things are planned into the budget

chrissysnow22
by on Nov. 4, 2012 at 11:48 PM
There are tons of budget busters. I am getting better about them.

Eating out is a big one
Thoughtless driving wastes gas
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slw123
by Member on Nov. 5, 2012 at 8:21 AM

Eating out is our budget buster.  We don't eat out during the week though, but we are totally lazy on the weekends.

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