Week Ending 08.25.13 Budget….We Actually Sat Down and Forecasted Out Through Thanksgiving!

Posted: September 10, 2013 in Budgets
Tags: , , , , , , , , , , ,

I seriously must have been out of my mind, but we sat down the other night and did forecasted budgets through the end of November to try and make sure we’re capable of paying our mortgage each month – how is it that we’re struggling so much? Once upon a time we used to be able to afford rent/car payment, etc. with no problem – now it seems that we struggle at every single turn….I hate this, thus the reason for this blog, so I can see what we’ve done, where we might need improvement and how we can correct the problems we run into time and time again – I’ve noticed the main string through everything is our extra spending, in other words those debit card transactions done after the budget is done…those are what’s killing us week to week – I think after adding up the last (5) weeks we saw something like $415.00 in extra money spent with only $100 being put back from birthdays (his and mine)…that’s still $315.00.  We narrowed it down even further and found that $132.00 of it was excess groceries above and beyond our $170.00 budget – so we’ve upped the weekly budget for groceries to $200.00 (OUCH!) in hopes to eliminate some of that – if we come in under budget that week the monies will go into my savings box and put back into the checking account at the end of each month.

Alright, with that being said this weeks’ budget is slightly different as I have some extra expenditures that are on this week as back in June I won tickets to see Maroon 5 & Kelly Clarkson in concert in Raleigh.  I am taking my baby girl with me tonight and we’re going to enjoy the concert and then crash in Raleigh for the night vs. trying to drive the 2 hours back to Wilmington.  I am very excited about this! I know the $120.00 I have set aside for our hotel and misc. spending is putting an overall dent in our budget, but I figure anything I don’t spend out of our misc. spending monies I will put back.  I am also taking the extra $40.00 cash for gas and $47.00 cash from our savings box with me, so I may not even touch the $60.00 I have budgeted for Misc. Spending.

Honda Civic Tour Shout Out

So I am running low on time, I am leaving early today so we can make the 2 hour drive and get settled into our hotel before having to head to the Pavilion for tonight’s show, so here goes the budget for the week:

 $456.84 Remaining from W/E 09/01/13  $501.20 Lara W/E 09/01/13 Salary
 $116.50 Amt. Spent  $245.46 Jimmy W/E 09/01/13 Salary
 $340.34 Avail. Starting  $746.66
 $9.78 Sweet Frog  $340.34 Avail. Starting
 $10.56 PetsMart  $746.66 Total Pay
 $17.05 Home Depot  $1,087.00 Avail. For Bills
 $3.20 Party City  $40.00 In From Merrill for Lara’s B-Day
 $7.54 KTC  $1,127.00
 $3.52 Target  $5.17 Adj.
 $10.17 PetsMart  $1,121.83
 $26.56 Wal-Mart
 $5.89 PCJ
 $3.18 PetsMart
 $2.13 Food Lion
 $1.92 Office Max
 $15.00 GS Troop #1327 (Check)
 $116.50

And the overall budget with the breakdown – we’re not sending the money to Citi right away instead I am holding off on sending that until next week when I have a bulk payment to send to them:

 $1,121.83
 $70.00 Brigades Boys & Girls Club
 $1,051.83
 $5.00 OT Solutions
 $1,046.83
 $5.00 Tate & Kirlin, 9/10 Auto-Draft
 $1,041.83
 $170.00 Groceries
 $871.83
 $25.00 Jimmy’s Money
 $846.83
 $25.00 Dinner, 9/6
 $821.83
 $80.00 Gas
 $741.83
 $25.00 Cat & Dog Food
 $716.83
 $59.39 Hotel in Raleigh
 $657.44
 $60.00 Misc. Spending For Lara & Ashley
 $597.44
 $113.19 AT&T
 $484.25
 $350.00 Citi
 $134.25
 $61.14 Amt Spent 9/6-9/8
 $73.11
 $5.00 Cape Fear Peds, 9/17
 $68.11

And with the cash withdrawal:

 $1,121.83
 $70.00 Brigades Boys & Girls Club
 $1,051.83
 $5.00 OT Solutions
 $1,046.83
 $5.00 Tate & Kirlin, 9/10 Auto-Draft
 $1,041.83
 $340.00 Cash for Week
 $701.83
 $59.39 Hotel in Raleigh
 $642.44
 $60.00 Misc. Spending for Lara & Ashley
 $582.44
 $113.19 AT&T
 $469.25
 $350.00 Citi
 $119.25
 $61.14 Amt Spent 9/6 – 9/8
 $58.11
 $5.00 Cape Fear Peds, 9/17
 $53.11

So there’s that and I am off! I’ll be offline until tomorrow, Wed at around noonish when I get home from Raleigh!

Enjoy!

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