- PTO book fair
- PTO tshirt sale (x2)
- union dinner
- donuts for work breakfast party
- kids' dental appointments
- one night where everyone was really tired and we just wanted mcdonalds
I know I should budget for these things, but seriously- other than the dental appointments, how regular are any of these things? Is it better to budget $100 a month or whatever for incidentals (which will then give you the feeling that you HAVE $100 to spend on incidentals) or to budget for nothing and then move $100 from debt payoff to spending money if need be?
Psychologically, I know I spend less with the latter scenario. There's something about "planning" to spend extra money that makes me spend it two or three times over!