Actually that made very interesting reading, and i thank you for your input, it is always of interest to me to see how other's do it all, i used to do it on my computer too, but it was some horrible accounting programme i just could not get the hang of, mind you i was very new to the computer back then, i am much more efficient at it now, hubby suggests i use a spreadsheet, but for now i am using the old fashioned method of pen and paper.

I too will put any surplus left over from summer power bills towards the winter as i know i have not enough for then, but over estimated for the summer hopefully, and if we manage to get our heat pump this year that will hopefully keep the bills much lower.

Wow i think your grocery bill is fantastic, i hate to tell you how much mine is for three of us and four kitties, i could make some cuts i guess, but i am at the age where i like a little of life's comforts, sure i may have to do without in other areas, but it is worth it, i also think when you get to my age group you have to look after yourself healthwise, so i make sure we eat healthy foods, more expensive breads,milks etc,anyhow just my way of thinking.

Vacations, holiday, hmm what on earth are they? have not had one for over seven years,except for one night away, i think they are a luxury we just cannot afford,much as i would love to get a break from routine.,anyhow i am determined i am going to win a holiday yet, i sure enter enough competitions and i am somewhat lucky in that area, so here's hoping.

Well would be good to hear some more about how you all budget? so looking forward to them, keep them coming, thanks.