I know that month one is running around somewhere in uncategorized...
Our month two ended on the 14th, and I am analyzing the results. The bills were pretty much on target so those will not be adjusted. The credit cards are going down slooowwwwllllyyy, except for DD's tuition card which went up. No more payments til the end of December, so I hope to pay some of that off this month and next. I think we will have some vacation money coming at the end of November that is unused at the old company. That, we can set aside for the next tuition and not add to the card. A step in the right direction.
We did go over eating out by $20 and the book line went over by a bit, too. Neither have that much in them, might need to adjust those amounts if another month shows a surplus somewhere else for the third time.
The plumbing made the house maintenance fund over by a whopping 375 dollars. I still had 100 from last month, too, so I am over 275 in that dept. I am keeping a separate sheet for those accounts that we carry over. Like dental/medical and auto stuff. So far, that is the only one that we have clobbered. Might need to up that one, but I'm not sure where the money would come from.
Still putting my dollars into the envelopes for the workboots, water cooler, and baseball tickets. Have them in the budget so I'll remember to do that each month. Funny to have a line in there for 4 dollars....
Hubby had a surplus again in his "vices" column. Good for him! Course we've all been on his case about a couple of things to be healthier. So that might have helped.
Having Inlaws here and going to see DS in a music thing will take some extra cash and probably do a number on the gas and food bills. I have used the Holiday/Christmas Club money for food for Thanksgiving. The tickets for the musical is going to come from some money the kids owe us. So I am not paying out any money for it, sorta.
I am hoping for once to get through a holiday season relatively intact. I would like to control things more and not start January with a feeling of being knocked out by the finances. The cool thing is the feeling each time you start the next month's budget. It's a feeling that you've got a clean slate for this month...go for it!
Month 2
November 15th, 2006 at 08:16 pm
November 15th, 2006 at 08:21 pm 1163622085
November 15th, 2006 at 08:44 pm 1163623462
November 15th, 2006 at 09:28 pm 1163626102
November 16th, 2006 at 03:18 am 1163647105