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stick to a budget

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CaresseIsCuriousThis is a MUST

I am normally an unwise spender I go with the flow if I like something I buy it no matter the cost if I have the money. I have blown through more money that I care to admit and left bill unpaid poor judgement to say the least. Seems now I have grown up and need to fix my foolish mistakes. I MUST stick to my budget and I am determined to do just that!

Stay tuned! 1 month ago


CaresseIsCuriousThis is a MUST

I am normally an unwise spender I go with the flow if I like something I buy it no matter the cost if I have the money. I have blown through more money that I care to admit and left bill unpaid poor judgement to say the least. Seems now I have grown up and need to fix my foolish mistakes. I MUST stick to my budget and I am determined to do just that!

Stay tuned! 1 month ago


AlsanderaHrm...

I can’t say much here. I splurged for my birthday, hit a couple sales, and had an unexpected air-travel event. I was about $1000 over budget for the month, and I technically need to keep my spending to less than $600 this month to catch up. Yeah, right. That $600 includes $900 in student loan payments and $200 to the CSA for my veggie/fruit shares this summer – when I hopefully won’t be spending much on food and can make this food budget up.

I’m just going to have to reign it in some, but being a single professional with debt, a house, and two cats to feed does mean I have financial obligations that prevent me from cutting back in a few areas. 1 month ago


Hitrefresh85Finally

Now we have been in our new house 3 months I can make a budget for us to stick to!

It’s been almost impossible not knowing what our bills would be to stick to a budget at all! 1 month ago


greenbackpackMoney Money Money

I wrote down a list of all the money I had and all the money I owed yesterday. I wrote down what I need to save every week for bills and groceries. Wrote a figure I would like to save every week towards moving home. I check these figures everyday and make a daily note of what I spend and what on. 2 months ago


AlsanderaThis month...

So, what’s this word you’re using? Budget?

._. 2 months ago


AlsanderaProblem fixed?

Well, rather than blow my entire “shopping” budget – which includes household necessities that I’m nearly out of like laundry soap – I decided to move my birthday purchases into my “entertainment” account. They blow my entertainment account for the next maybe eight months, but I wasn’t really using those funds anyway since I’m trying to do cash-free amusements. 2 months ago


AlsanderaAbout that budget...

I posted this morning about blowing my budget this week. I totally blew it all today. How much budget-blowing can be excused by “But it’s my birthday!”? 2 months ago


AlsanderaJanuary

Budget: $2400
Spent: $2183

Food budget: $240
Spent: $221 (massive improvement since my average per month was ~$350 in 2013)

Pretty impressed with myself. I came out below in all but two categories – bills and health. I did not plan to have bronchitis in January, nor did I plan to buy a zillion OTC meds. Bills… That one I need to work on. There’s no reason I can’t get that down some, I hope.

February’s outlook:
Hm… I’m buying myself birthday presents, even if they don’t really fit in the budget (the general shopping budget). I have to have a wallet now that I’m on a cash budget. What I’m using now just doesn’t work. I intend to keep on track with the food budget. I also let a lot of household things go. I was out of paper towels, nearly out of TP, needed replacement dish/toilet brushes, etc. I bought all of that this morning, and it all comes out of the general shopping budget, too. I’m fairly sure that I will have spent this entire budget by the end of the first week. ._. So February outlook is kind of mediocre. I won’t stress about individual categories as long as I can justify purchases and keep the whole budget contained. 2 months ago


AlsanderaPay attention to what's going out

In an effort to be more mindful of my spending, I sat down this morning and looked at everything that came out last month and organized things to make me pay attention.

Checking account balance this morning was $844. Since I get paid tomorrow and don’t know of anything coming out today (and have a fee-free overdraft account, just in case), I transferred $800 to the savings account.

All expected incoming funds for the next month: $2700

Of the paycheck tomorrow, $980 is already scheduled to go out in the next two weeks for things like mortgage, utilities, etc. $190 also goes to various savings accounts for semi-annual insurance payments, emergency, etc.

Of the next paycheck, $1550 is currently scheduled to go out for student loans and credit card payments. $190 also goes into the previous savings accounts.

All expected outgoing funds for the month: $2530

Net: $170 (which should technically be my food budget for February)

Looks great until you realize that the $190 (twice) to savings accounts isn’t factored into those totals. I’ll hold off as long as possible, but I will have to pull some back out of the emergency fund to prevent overdrafts.

In general, not too bad – since the $800 that I transferred today would usually cover situations like this. It’s a good exercise, though.

Will update the actual budget numbers Saturday, but so far it’s looking very close. Admittedly, there was some finagling, but I am resolved to not change the numbers after my January adjustment period. 2 months ago


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