South County Girl: September Budget

Wednesday, September 5, 2012

September Budget

So last month's attempt at a No spend month wasn't too stellar... but i'm okay with it. We had a great time with family and sometimes that's just what you need when you need it... and thankfully by months end everything worked out.

We are going to try to cut our expenses again this month and just be uber careful with money because we are just a small portion short for the new glass slider door/window costs (without dipping into of EF savings) and with the overtime i'll get from working Labor Day, the money SCB earned from working the wedding, and being careful, we think well get everything together by months end :)

As for our annual goal to pay down the mortgage 2 payments worth, I think that idea will be abandoned for the year now that we are paying for new windows and that ticket item is far more costly than the extra 2 mortgage payments would be... But its not a cosmetic want... its a need. You can litterly poke a chopstick through the gap in the window and the frame... but we will see how the rest of the year goes with paying extra towards the mortgage.

Here's our September Budget:

Paycheck #1:

Mortgage (Principle, Interest, Property taxes, MIP, and a few dollars extra): $809.40
Giving $120.00
Fast Offering: $10
Groceries & Food: $240.00
Prescriptions/doctors appointments: $20.00

Paycheck #2:

Giving: $120.00
HOA: $262.50
Insurance (2 Autos, earthquake, homeowners) $135.00
Utility Bills (2 Cell Phones, Electricity, Internet): $230.00
Prescriptions/doctors appointments: $10.00
Gasoline/Auto: $150.00
Christmas: $50.00
Roth IRA $161.90
Other/Fun Money: $80.00
Overtime/Holiday pay (give 10%, then catch up the Roth IRA, & put remainder towards windows)

South County Boy Income:

Towards the new windows or the Roth if we get that all taken care of.

How we spent our Money Last Month:

Groceries/House Supplies: $249.26 (We had a lot of people at our house!!!)
Eating Out: 38.57 ($21.60 less than last month!!!! and $10 of what we did spend was because SCB was working a 12 hour gig for the wedding.)
Gasoline: $151.58
Car Repairs/Other: $0.00
Giving: $301.00
Prescriptions: $0.00
Housing: $2,738.90 (included the New window deposit. Without deposit $1,071.90)
Re-occurring Bills (Cell, Electricity, Internet): $216.18
Gifts/birthdays: $0.00
Clothes: $101.38
Other: $91.82
Medical/Dental/Vision: $0.00
Vacation: $24.00