Sorry, that was what I was trying to get at. I'm putting the money away as a habit but it's allotted elsewhere. The budget rejig is to find the spare dollars, what I can change to create spare dollars and to create some actual savings. It's been an eye opener so far.


Me: 31, W: 29
T: 4 M: 2
Kids: 3 (SS: 7, SD: 4, D: 3)
Separated, still living together: Nov 2013
Separate bedrooms: Feb 2014
W working away; kids with me: Nov 2014