Posts Tagged ‘fudget’

$500? Ha!

August 31, 2009

Never having actually paid bills in my life (neither has my husband), it was interesting to guess at what we would spend our first month as homeowners. I budgeted $500.

Electric:
Paid $187.00 deposit at the end of June (day of our closing)
Paid $129.28 + 2.95 (for paying by phone) for 16 days of use!
Next payment will be $167.81 for 29 days of use.

Cox (internet, cable, landline):
Free installation
Paid $47.66 last month for them to move a cable outlet to an interior wall (totally worth it)
Bundle package for one month is $141.54
next bill due is $142.88

Natural Gas:
monthly bill of $54.32 plus
$170 deposit
next amount due is $31.96

Utilities (water, sewer, trash):
Deposit of $110
plus $20 for fee start/transfer of service
plus other charges = $181.19

ADT Security:
Paid $339 last month for installation
Just paid $86.97 for three months of monitoring (7/14 to 10/13)

All of the bolded amounts were paid in August and totaled $766.25.*

If we subtracted the deposits we paid in August, it would be $466.25. Under fudget. 🙂

I’d like it if we kept our  bills to under five hundred, because bills plus mortgage (which does include property taxes and homeowner’s insurance), we’d be right around $1200. Which is roughly three times what it cost us to live in our old garage apartment. And this place is three times as big. And that math makes me happy about our move. 🙂

*(I know the spreadsheet says $769.20, but I made a little typo on the utilities that wasn’t corrected until after uploading the Google docs picture into that post…it’s not off by much (and in our favor!), so I’m leaving it.)

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July 2009 Review

August 4, 2009

july2009review

Well, I finally finished up July’s budget. As I already mentioned, we went way overboard with our House category. Our place does look good, though. 🙂

Two unplanned expense: our dog went to the vet ($205.52) and we bought plane tickets to go to a family wedding this fall ($517.80). We knew these things would happen eventually, but because we drained our savings for our down payment and closing, we didn’t have it set aside.

I made our car budget really high, thinking we’d put the leftover in our Car Fund, but because our checking is (relatively) low, I didn’t transfer anything.

Groceries….man, insane. We didn’t have much to start out with (thanks to our low budget last month and the fact that we moved), but I still think we overspent for what we got.

I blame myself on the Work Eating Out. I had to drive quite a bit for my job and the lure of Taco Bell and McDonald’s couldn’t be resisted. I still packed my lunch, but I did eat dinner on the road.

Eating Out/Entertainment: This one we overdid it, but I’m okay with that. We went to three movies (more than we went to all of last year probably), and took my sister and her husband out for their birthdays. We also just clearly ate out a lot. It was usually with friends/family and we had fun.

The Medical is because I carried it over from last month. I need to start keeping a stash for our next unexpected Medical thing because our deductible is now $500 (meaning we’d pay $250 more).

I could’ve fudged the numbers more (like how I started the month early and carried stuff from June over), but it’s all the same in the end, right? I was just a little curious how much we actually spent, so it’s all there. We spent more than we made, but our funds never got scary low, thanks to our credit card and the fact that Mr D2S gets paid right before the end of the month (but I actually count it as the next month’s pay).

Oh, another thing to note: we’re pathetic about giving to other charities. Maybe we should just up our weekly contributions to the Church. Or at the very least, give a large lump sum later in the year. We’ll see…

July 2009 Midpoint

July 16, 2009

july2009midpoint

Halfway through the month, and we’ve already busted on stuff.

Groceries are killing us. One trip to Sam’s Club and we were doomed. But we did host dinner for 12 people and we shouldn’t have to spend too much more to get us through the month.

I kept the House spending separate, as you can tell, in the last row. I think we’re closer to budget actually, because I’ve yet to adjust for some stuff. (i.e., the $500 Target trip was put in this category, but a fair chunk was normal household items that need to be itemized out, and we’re returning a weedeater, thanks to the father-in-law donating his!).

I am fudging the numbers again, though. Postponing recording our recent furniture purchases until next month and such…

June 2009 Review

July 2, 2009

budget june09 final
Something’s off. I really think we spent 1239.48, but I don’t have the time to figure out how that extra ten bucks got in there. The reason I think it is ten dollars high is because below this part of the spreadsheet I have a section where I post spending for each day of the month (Date/Place/Amount/Category), and when I total those amounts, it’s 1239.48. Oh well.

It looks like we really did awesome for June. Very minimum spending. In all honesty, it’s a little bit fudged. A fudget, if you will. I stopped June’s budget at the end of the 28th, because we bought our house on the 29th and the money started flowing like crazy out of our accounts. Also, there was some spending I actually didn’t record, but pushed it ahead to July. (Examples are two medical bills. I put them on the credit card, which was paid off on the 29th, which I consider part of my July budget. Usually if I charge something to our card, or write a check even, I consider it spent the day I do that, not the day I pay it off or the day the check posts. But on occasion, I like to fudget.)

Onto a recap:

Cars – I aimed high in hopes of having enough to pay for Mr D2S’s car registration. He ended up getting that on the 30th, so it’s in July’s budget and now it just seems we drove a lot/gas is pricey.

Eating out – This wouldn’t have busted, but on the 28th, we were desperate for Taco Bell, and also earlier in the month we ate out on a giftcard, but tipped super good.

Church – I feel bad about cutting the Church short, but on the last Sunday of the month we were trying to not write any more checks (to keep our account nice and full for the closing) and all we had was a $20 to give.

Unplanned – In addition to buying my grandparents a trashcan (which they loved and took pictures of), I bought Mr D2S a small birthday gift. An Entertainment Book for $10. I purchased it back in May, but didn’t record it in case he actually looked at our spending and wondered what I was up to.

Here is our take-home for June:

Mr D2S: 2855.54
Mrs D2S: 6404.82
Total: 9260.36

My pay from May got delay…ed (ha, rhyming fun!), so June looked better than it technically was.