Fresh limits per category for the new year — write them down before the January bills arrive.
| Category | Last year, monthly | New monthly limit | First change to make | Set |
|---|---|---|---|---|
| Groceries | One big shop + one produce top-up per week | |||
| Dining out & takeout | Cut one takeout night; cook its favorite instead | |||
| Kids' activities | Check for January session discounts before re-enrolling | |||
| Subscriptions & streaming | Cancel anything unused since November | |||
| Utilities | Pick one habit: shorter showers, thermostat down 2° | |||
| Gas / transport | Batch errands into two runs a week | |||
| Clothing | Buy for next winter in the January sales only | |||
| Gifts | Start a monthly gift fund so December stops hurting | |||
| Fun money — adults | Same amount each, no guilt, no overspend | |||
| Fun money — kids | Weekly amount tied to the allowance ledger | |||
| Savings top-up | Set the transfer for payday, not month-end leftovers | |||
| Emergency fund | Small and automatic beats big and someday |
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