At the beginning of this month, I bought the YNAB budgeting software. I have to admit that I don't think that I require a budget software as I myself do not spend that much. However, being a numbers and chart geek, I went on ahead and made the purchase. To be perfectly honest, I am extremely addicted now. Very nice and easy to use system.

Anyway, what I do is split my expenses into a few main categories. Shared needs, shared wants, personal needs, personal wants and investments & savings. Starting this month, I have decided to share my expenses here. What I hope to achieve is to show that we can live a frugal yet fulfilling life. Its all part of my grand experiment 2014. See here to find out more; or simply read on.

Anyway, some facts first - My wife and I used to merge all our ......