I decided not to put money towards the house dp this month. I hit out a few other savings goals… why? Because I got a counter off on one of the places I put a bid on. So it’s go time when it comes down to knocking out my savings goals for the year… because I won’t be able to if I’ve got a mortgage and a rent payment, and some of them are ones I need to accomplish (like future bills) instead of wishes (like starting the wedding fund)
Accomplished:
I went ahead and just stock piled the renters insurance money so I don’t have to save a little amount each month, freeing up $10 from the budget. If I buy, I won’t need the renters insurance because my policy is paid in full up to November so I’d only have to pay for one month. But I’d have to pay for homeowners insurance so this money would go towards that. I also put all the money aside for my Christmas fund, freeing up an addition $50 a month. I put half my invisiline money away, and threw a bit at the wedding fund.
I also hit a few more annual goals like saving 250 for my car (1/2 the deductible). I’m going to start taking whatever is left in my gas account at the end of the month and add it to this so it gets up to 500. This starts with June.
What’s left:
• Roth IRA—$1,122.80 I get an extra check at the end of July so this will get covered there.
• Invisiline $400
• Wedding $842.17
• Work Retirement Purchase (333.28 since I saved the $1,000 from last year)
• Florida Vacation 1500
• House dp- if I don’t buy this year I want it to be around 18,000 come the end of January.
Other budget changes:
The state changed my withholding since they are raising taxes. I get a few less dollars every check now.
I’m also getting a new utility bill every other month… Trash… but it should fit in with my $70 utility allotment since it’s around $15 every 2 months. Starts July 1st.
The grocery allotment increased to accommodate eating with my boyfriend more at my house.
Even with these changes, I’m still living on one paycheck and using the other paycheck for savings and savings goals. Not bad eh?
June
1292.41 A CHECK
Laundry 20.00
Food & Basics 120.00
Gas and Car 100.00
Car insurance 71.67
Water & Gas & Electric 70.00
Cell Phone 55.00
Offering 10.74
Fun 50.00
Rent 795.00
Work Retirement 333.28
Invisiline Retainers 400.00
San Fran Trip 150.00
Offering 39.26
Wedding 369.87
So for June I’ll be completing the retirement savings goal, finishing the invisiline goal, taking a mini vacation to San Fran because I deserve it and have never been, and putting the leftovers at the wedding fund.
July
1,292.41 a check
Laundry 20.00
Food & Basics 120.00
Gas and Car 100.00
Car insurance 71.67
Water & Gas & Electric 70.00
Cell Phone 55.00
Offering 10.74
Fun 50.00
Rent 795.00
Wedding 472.29
Florida Trip 780.86
Offering 39.26
I’ll be finishing off the wedding and starting to put the money aside for Florida.
August
1292.41 A CHECK
Laundry 20.00
Food & Basics 120.00
Gas and Car 100.00
Car insurance 71.67
Water & Gas & Electric 70.00
Cell Phone 55.00
Offering 10.74
Fun 50.00
Rent 795.00
Offering 39.26
Florida 719.14
House Down Payment 534.01
August I finish Florida and begin throwing all extra to the house again.
I should be receiving a raise anywhere from 4-6% which is not factored in to anything right now. Come the first week in June I’ll ask my boss how the paperwork is going. Depending on when it comes, I could meet some goals faster.
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