2022 is behind us, most of the bills are in and it is a good time to review expenses and income for the past year.
Determine where you did well and where you need to improve. Set some goals for 2023 and create your budget. Perhaps you want to pay off debt, save more for college or retirement, or go on a dream vacation.
Work together with your wife to make your plan. If you need help in budgeting, Dave Ramsey has some great materials and courses to help.