We are coming close to the middle of the year and I am sitting down to review my financial situation, half way through the year. Adjust where necessary, see where the budget could be trimmed. I want to end 2018 ahead financially so I need to pay a bit more attention to where my money goes. This is my first year of being debt free and it took a little bit of adjustment to the new expenses. I no longer have a mortgage so I need to pay my own taxes and insurance as they were previously included in my monthly payment. The car insurance is also been going through the roof as I have one teenage driver with a new car and in about 6 weeks, another teenage driver. It takes a big chunk of my budget!

All the monthly bills have been questioned and ...