New budget tactics

My auto insurance went down! Instead of paying $495.76, I only owe: 429.30 for 6 months!

So I can plan on spending 72 a month on car insurance! Woot woot.

In case i never posted my annual goals, here they are:


DMV Car Tags (FEB 2010) $300.00
AAA Card (Due: April 2010) $47.00
Costco Membership $50.00
Renters Ins (12 months Due: Nov '09) $127.00
Car Ins (6 months Due: May '09) $429.30
Car Ins (6 months Due: Nov '09) $429.30
Christmas presents $300.00
Roth IRA 2009 $5,000.00
Invisiline Retainers $800.00
Car Emergency Fund (1/2 deductible) $250.00
My Future Wedding, etc $1,000.00
House Down Payment $21,000.00

Since there are so many, i'm going to start to take some of the money i would have sent to the house fund (since i have enough right now for an FHA) and start applying it to these goals to help knock a few out before I hit escrow.

So, a new budget (1295.85 A CHECK)

Laundry $20.00
Food & Basics $100.00
Gas and Car $100.00
Car insurance $71.67
Renters ins $10.58
Water & Gas & Electric 70.00
Cell Phone $55.00
Offering $23.60
Fun $50.00
Rent 795.00
_______________________________________
Down Payment 695.00
Other Saving Goals 534.45
Xmas & B-day $50.00
Offering 16.40

I'm officially living on one paycheck and saving my other one... this blows my mind.

Here is my game plan for April: I have around $500.00 that would have normally gone to savings and the house to fiddle with:

I'm going to take that money and save it for the following:
car tags 300
The remainer of my roth IRA (minus the extra check) 86.49
AAA Card 47
costco membership card 50
wedding fund 16.99

any extra in the budget i may put in the wedding fund, or i may start working on some of May's goals: (May and June may get switched around depending on when i get the ticket bill in the mail)

May
1/2 invisiline 400
birthday party 134.45

June
Speeding Ticket
Car fund

July
1/2 invisiline
wedding

August
wedding

This of course assumes i'm not in escrow. If i am, this all gets thrown out the window.