August 2009 Review

august2009review

August is over (or close enough, since we’ve declared tomorrow a no-spend day) and it’s time to look at where our money is going. I put smiley or un-smiley faces next to each category to indicate my feelings, hehe.

Car – We spent a lot more on gas than I thought we would when we started the month, but I had to work out-of-town twice, and we also visited family twice. I’ll get around $200 for my mileage, so that will really take care of most of the gas expenses for the whole month! And like I wrote in the previous post, we got rid of my car, and will hopefully see some savings from that.

Groceries – Spot on, and we hosted a few dinners! I thought we were quite a bit over, but once I looked at receipts and put some purchases into household (like flowers, shampoo, dishwashing soap), it knocked us to right under.

Work eating out – This one is usually my nemesis, but I’m cutting myself some slack for eating out when I worked out-of-town. Also I met up with Mr D2S three times for dinner when he was working, and that is always fun.

Work-related – Mr D2S needed new work shoes, and I finally got a new pair of pants. I’ve been thinking I’d buy more work clothes ever since I graduated, but this is my first purchase!

Household – Such a catch-all category. 1/3 of that was for a haircut for me.

Eating Out/Entertainment – I wrote about this one at length. Even after that hard look at what we were doing, we still slipped up and ate out a couple times when we probably shouldn’t have. But that’s okay, right? When we’re SINKs with a bunch of kiddos, we’ll really miss those nights out at restaurants!!

Church/Charity/Miguel – Finally, we’re giving closer to what we should! It feels good.

Fun Money – Mine all went to clothes and a couple presents. Still thinking about returning a dress (about $30), but am not sure. If I can think of a place I’ll wear it to, then I’ll keep it.

Bills – Clearly, my estimate was way low. Luckily, though, some of this was one-time fees because it was our first full month living in our new home. I’m gonna post more about bills later.

House – I didn’t have any specific plans for buying things for the house, but still budgeted a chunk, just in case. All I put in this category was a new digital camera (on sale for 22.93!!!) and a serving dish I also bought on sale.

What’s all the Extra Spending??

$1408 – two round-trip tickets to Europe. 🙂 🙂

$122.13 – new cell phone for Mr D2S because his died on him. We’ll actually get a rebate on it, but I’m not sure how much. Maybe I should make sure he remembers about this…

$922.26 – elliptical machine. Yikes, huh? We’d talked about getting one for a very long time (before we were even married and living together, actually) and it just seemed to be the right time. We bought Consumer Reports Best Buy at a good price. We borrowed a truck and saved the delivery and assembly fees. I really hope that this investment lasts us a long time and gets us both in good shape!

Of course there are things I wish we would’ve done differently (mostly not ate out so much), there are things that I wish hadn’t happened (the husband’s phone breaking), things that I wish we could’ve had money saved up for (the elliptical, the plane tickets…but really we spent all of our savings on our down payment)…

However, I am happy with a two key points.

1) If you ignore the Extra Spending, we were $90 under projected budget. Maybe I’m getting better at this guessing thing!

2) We spent less than we made (by $2590.83). That’s not as much as I wanted to put into savings, but it’s a nice cushion.

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