 TITLE: How to Budget for a Family CONTENT: Plan for Discretionary Spending\n-------------------------------\nBudgeting doesn't have to be restrictive, and as long as you plan for a few things you really want, you may be able to fit it alongside the rest of your monthly goals. Creating a discretionary spending category (or categories for a more precise budget) will help you account for those splurge purchases you inevitably make each month without letting it impact your overall goals.\nDiscretionary spending can apply to purchases that you want rather than need. These might include things like dinners out with the kids, date nights for you and your spouse, and any extra monthly purchases that may come up. END