Archive for the Budget

2011 Financial and Life Goals Recap

At the beginning of 2011, I set some financial and life goals for myself and Mr. Money. Here’s how 2011 played out for us: 1. Keep up with the clutter and declutter 365 items from our house this year. SUCCESS. I know I decluttered and donated a lot more than 365 items from our house this year. 2. Pay at least $3,000 down on the principal of our mortgage. FAIL. We did pay off $2679 off our mortgage prinicpal, so I think that’s pretty good!  Our extra money this year went to our savings account.  Honestly, I’m not too concerned with paying down our mortgage aggressively at this point.  We’ve got other priorities.  I do wish our mortgage balance was lower, but we can chip away at it. 3. Travel to somewhere fun and exciting.  SUCCESS? We took a trip to Colorado when I was around 20 weeks pregnant.  It was our last trip as just the two of us.  I really wish we had gone to Hawaii last year for our fifth anniversary, but I was a tightwad and […]

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Budget Smackdown

On Friday night, Mr. Money and I sat down and went over our budget.  We’ve gotten a little lax over the past few months to say the least.  I totaled up our monthly spending for the month of August (since we weren’t on vacation at all that month) and it was pretty surprising.  After viewing the totals on some of the categories I wanted to throw up.  However, that isn’t really very productive, so we decided to be a little more strict with our budgeting and try to work a little more at staying in line.  It will help us reach our goals, and enable me to stay at home with the baby. Because I’m crazy, and I think it will help keep me accountable if I post the actual numbers of our variable expenses here, I’m going to do it.  Feel free to shame me if you want; I deserve it. Groceries, including household items= 371.76 Clothing (work shoes for Mr. Money)= 42.39 Gas= 298.20 Eating Out= 369.95 I wasn’t too surprised about the grocery category, because we try […]

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Money Auto Pilot

I feel like my financial life is so boring right now.  Don’t take that the wrong way, though.  I am totally happy with the way things are going now because it’s low stress.  There are definitely areas where we could improve our money situation, and we need to sit down and talk about what our goals are.  One of my biggest budget busters has always been eating out, and that continues to be where more money than I’d like from our budget goes.  It’s just so easy to eat out, and when something sounds good and you don’t have the ingredients to make it, that’s when we end up giving in. Meal planning definitely helps, but there are sometimes when it’s just overwhelming to deal with and I end up putting it off and then it never gets done.  How frustrating.  I should come up with a list of 30 or so meals that we enjoy and then rotate those weekly.  It’s not like we’re always eating different things anyway. We’re continuing to save money, but aimlessly, and that’s okay.  […]

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    Welcome! I'm Mrs. Money and I lead a frugal, simple, and debt free life on a modest income. I make money online to help support our family. I believe in saving money, living green, and enjoying life!

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