DW and I are finishing up our first calendar year as FIRE folk (we are 53 and 51) and it looks like we will be about $800 under budget (about 1.6% of our budget). Makes me proud of our forecasting ability, especially as it included a nice anniversary trip to the Caribbean in August. My natural inclination is to just note our results and move on to the next year, already budgeted. DW would like to get more utility out of that money. So I'm wondering what other folks would do/have done, since this will come up once a year for many years to come (and who knows, we might even face a budget deficit at some point). Would you:
a) Note the results, smile and move on
2) Add the surplus to next year's budget
c) Spend it frivolously in the next three days
4) Spend it in the next three days against some expected upcoming expenses
e) Put $800 cash in your wallet and see what happens
6) Something else
Thanks, and Happy New Year!
a) Note the results, smile and move on
2) Add the surplus to next year's budget
c) Spend it frivolously in the next three days
4) Spend it in the next three days against some expected upcoming expenses
e) Put $800 cash in your wallet and see what happens
6) Something else
Thanks, and Happy New Year!