YES to ebates!
This is awesome! The last thing you want to do after retiring is to have to go back to work to pay for one of these expenses that WILL come up.
There are so many great tips in this thread!
- I do 80% of my weekly meal planning based on what’s on sale at my local grocery store. For 4th of July week, we ate a LOT of corn on the cob, haha
- Huge fan of ebates- if you’re going to do some shopping, might as well earn some cash back!
I always follow the formula of
Monthly Income - 20% Savings = Expenses.
Since the pay out is normally every 2 weeks 15 and 30. Then whatever net earning I have for my salary in a 15th and 30th, I used the formula. And also I create a spreadsheet to track every expenses that I have within a month. Stick to the budget.
My wife and I have tried every budget tool imaginable but we really both enjoy YNAB. She still writes out the bills on her own calendar but then I plug them into YNAB. Here is a link to signup for a free trial.
(If you sign up I get a free month and so do you. Just to be open and honest but we really do like using it.)