I finished the one missing photo book - 2010 - (once that is printed we'll be up-to-date) but I'm going to leave it in Shutterfly and not print it yet. There is a 30% and free shipping promo, but that isn't enough. I "researched" past Shutterfly promos in Facebook (and "liked" Shutterfly), and found that in 2013 there was a 50% off all photo books around July. And I usually get a coupon from them later in the year. I'm going to wait to print this one.

Also, I don't want to spend any money that we don't have to spend, so that we throw everything into our medical and auto servicing categories and not have to dip into the EF.

I think that is the real strength of budgeting: being able to adjust and re-tool as needed when things come up. So for right now, my monthly budget for lots of things is going to be less (or zero).

I seem to have money leftover in household utilities (the only benefit of our mild winter here in the Southwest - lower gas bill). Also leftover in insurance since our premium went down (I just need to keep enough in for our annual umbrella policy). And a tiny bit extra in water/sewer. I have saved up some money ($44) in my knitting fund; I'll just have to start over and put this toward the medical bill. There are a lot of places to be flexible.