How can we get snowflakes out of our budgets?  One way is to look at our variable categories and determine where we’ve saved money.  The savings over the course of the month can become snowflakes at the end of the month.  For example, if your grocery category is $300 per month and you spend $268, you can take that $32 in savings and apply it as a snowflake at the end of the month.

I choose to do my budget snowflakes a bit differently.  I tend to have a few categories that come in under each month, and a few categories that come in over.  Not the same categories every month, or I would adjust the budget for those, but every month something is under and something is over.  So for me, I look at how much my entire month is under budget, and I use that as my monthly budget snowflake.  I call that my surplus.  Whatever my surplus is for the month, that gets applied to my debt the next month as an extra snowflake.

What ways do you use your budget to find extra snowflakes?