Our 2012 Budget
For 2012, I wanted to come up with a more accurate budget, seeing that our baby would be born this year and hopefully we’ll be able to control our spending without worrying too much about it. I figured if I budget better, then I’ll hopefully be less stressed about where our money is going. Of course, I’ve also decided I’m not going to be so darn hard on myself because I’ll have a baby and have no clue how that’s going to impact our budget. If it costs us more money than I anticipated, then it does, and I’ll adjust our budget accordingly. Here’s our 2012 budget: Mortgage- $793.19 Escrow- $215.00 Energy- $150.00 Car insurance- $88.00 Verizon- $40.00 Cable, phone, internet- $125.00 Food- $350.00 Retirement- $100.00 House Stuff- $50.00 Gas- $200.00 Some notes: The mortgage is just principal and interest. I used to round the payment up to $800 or so, until I found out that the extra money that I was paying was being applied to the next month’s payment! Talk about annoying. To make additional principal payments, I [...]
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