September Budget

 I decided to post my monthly budget. Maybe someone seeing this will decide now is the time to start their financial journey as well.

I always see people post about having a budget, talking about their budget, how much they need, cutting their budget down, etc. I never actually see someone posting what their budget looks like.

I finally did see someone post theirs and it was the kick I needed to get going on my financial journey.

So, in hopes that this helps someone, here is my monthly budget categories and cost. These are not in order.

  1. Rent- $875
  2. 5 CCs- $500
  3. Savings- $250
  4. Debt Payoff- $200         
  5. Emergency Fund- $167
  6. Car Replace- $150
  7. Self- $35
  8. Utilities- $150      
  9. Car Insurance- $110.12
  10. Storage/Clothing- $100
  11. Internet- $100
  12. Me Spending- $100     
  13.  Car Repair- $100
  14. Kickoff- $5
  15. Garbage- $50
  16. Verizon- $50
  17. Household- $50       
  18. Tires- $40
  19. Car Gas- $?
For those of you who are interested to see what that all adds up to, if my math is correct it is $3,781.80

I also receive $393 a month in child support so that is going to help pad my budget. But $393 for 3 kids doesn't go far especially when they all usually need clothes and shoes at the same time. Thankfully as they've gotten older they don't run through those as fast.

I figure I need to bring home $1,899 per paycheck. I don't count on the child support because I don't want to be hurting if it doesn't come.

I know that my gas cost is the most expensive thing on my budget but I drive 30 minutes into town for work. Right now I'm trying to gauge how much I need to set aside for gas so I'm tracking the gas cost and how many gallons I have to buy.

Comments

Post a Comment

Popular posts from this blog

What have I done in October to get ahead?

The things I have done in October 2022 to get ahead have been not that many. But I figure if I start small I will grow big. Versus starting big and ending small. October I did a no spend challenge for the month. I only spent money on bills and envelopes.  Microsoft Bing Rewards. Every morning I get onto my Bing and I do my web searches, phone searches, and little points items the day has to offer. Currently at the end of October I have earned 17,263 points towards my 13,000 points needed for a $10 Amazon gift card. I will keep saving my points until December 31st and then I am going to be cashing out for Amazon cards to use towards financial books, budget binders, budget binder supplies, and the like. Then I will earn all of next year and cash on yearly on December 31st to see how much I actually make in a year. I have been scanning receipts into my Fetch Rewards app. I am currently at 12,966 points of my 50,000 points needed for a $50 Amazon gift card. I ended up leaving my job ...
Read more

Getting Started

 Getting started for me meant sitting down and figuring out what monthly recurring bills I have. Simple, I know. But for some reason I hadn't taken the time to write them down and things were falling through the cracks. It took getting a disconnect notice to realize I hadn't paid my electric bill for 2 months. I'm pretty sure that I'll have a notice on my internet bill this next cycle. I came up with the following list: Rent, 5 credit cards (trying to build my credit score), Savings, Paying off debt, Emergency Fund, Car Replacement fund, Pedicure (trying something out so this has become a need), Electric company, Car Insurance, Storage Unit (which will become the clothing fund in a month), Internet, Spending for me, Car Repairs, Family Fun, Garbage, Verizon (for my oldest), Household supplies, Tires, and Gas. Each of these has its own envelope with a sticky note on it stating how much it gets paid monthly. I also have a master list that states how much the item is paid ...
Read more

Unit Price Sam's Club comparison DISH SOAP

 One of the ways that I save money is by buying in bulk at Sam's Club. Here is an item that I buy at Sam's Club in bulk to save money. Dish Soap. I can save money some weeks by couponing but for those weeks that I am not able to coupon I have a gallon (128oz) jug that I can refill my kitchen bottle from. I pay $5.98/gal and that is equal to $0.046 per ounce. Let's call it $0.05 per ounce. Dish Soap at Walmart. I can get Ajax 14oz for $1.24 or $0.088 per oz that we'll just call $0.09 per ounce. This is the cheapest option for Walmart. I suggest you buy a bottle of soap at the store and then buy the gallon from Sam's Club and refill. By doing it this way, with these prices this is what you'll pay if you buy both bottles and then just refill vs buying just the Walmart bottle every time. Refilling is $1.24 for the Ajax plus $5.98 for the gallon. That equals out to $7.22 for 142 oz. In order to get the same amount of dish soap you'd have to buy 11 bottles of the ...
Read more