The mindset is hard. We are about breakeven, but we are paying extra on our mortgage and paying off bad debt, with some room for little luxuries.

I am looking at some budget software that works with an app (YNAB). It is not just the software, but really a whole budget philosophy. Using the trial at the moment and debating whether it is worth the extra money.

Of course I keep on spotting nice dresses - *sigh* I do techincally have a clothing budget, I just need to stick within it.