Archive for the Budget

Miscellaneous Thursday

For the past 5 months I’ve been a stay at home mom.  There are a lot of things that I’ve noticed over these past few months about our money spending habits.  Before I quit my job, Mr. Money and I enjoyed eating out frequently.  It was our hobby I guess.  Well, after we had the baby we’d find ourselves so tired that we’d grab take out or just go out for dinner.  Looking over our budget and bank balance, I’ve realized that’s got to change.  We just can’t afford to go out to eat like we used to and still be able to meet our savings goals and stay on budget.  I’m going to make a conscious effort to meal plan a bit better and make sure that we aren’t just being lazy when we go out to eat.  Maybe it would help to have a set night to go out to dinner? I get the moving itch every few weeks or so.  It is hard having a baby and not being around family!  The reason is probably not what […]

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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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