Week Ending 03.16.14 Budget – We Didn’t Budget Down to the Penny…

Posted: March 27, 2014 in Budgets, Financial Organization
Tags: , , , , , , , , , , , ,

Which only meant we had more “loose change” or other monies to spend elsewhere – while I am glad about that after seeing the total of how much we spent this week, $88.80 on Misc. Items we probably could have done without, or better planned for in our grocery shopping we’d have that money going into this new week coming up…kicking myself in the arse on this one I swear!

Last week I posted a topic on Weight Loss and Budgets stating how my weight loss program has been costing us additional monies – what I did not mention is that now I am yet again at that in-between stage in terms of clothing sizes meaning while all of my Size 12/Mediums still fit, I am wondering how much longer they’ll still look decent – the 12’s are starting to just loosely hang on me, yet we don’t have funds enough quite yet to get me into 10s…and I still need shorts for summer…fantastic.  The other side to the weight loss is that I am not eating the same foods as the rest of my house – my lunches consist of items consistently different than what I used to eat (which was closer to what my kids eat) along with alternating items for dinners…to say grocery shopping has gotten interesting would be an understatement…while I have worked it so that I am not spending more on the grocery budget – just different – some of what I eat now comes from Target vs. Wal-Mart or even from Harris Teeter vs. the other two just depends on what I’m in the mood for.

On that note, here we go here’s the budget from this week:

 $15.54 Remaining from W/E 03/09/14  $523.78 Lara W/E 03/16/14 Salary, Pay Date 03/21
 $88.80 Amt. Spent  $288.13 Jimmy W/E 03/16/14 Salary
 $(73.26) Avail. Starting  $811.91
 $15.00 Savings for X-Mas ’14  $(73.26) Avail. Starting
 $2.99 Food Lion  $811.91 Total Pay
 $4.54 Target  $738.65 Avail. For Bills
 $11.00 Target
 $26.73 Target
 $5.13 KTC
 $4.80 Target
 $1.00 Facebook?
 $2.51 PetsMart
 $2.03 Rite Aid
 $13.07 Food Lion
 $6.03 Everybody’s
 $1.52 Office Max
 $88.80

As I mentioned above – we spent WAY too much this past week…seriously will cut that back in the coming weeks otherwise we’re going to be royally screwed financially.  I am still trying desperately to put money aside to help fund Christmas this year, just want to ensure we don’t run into the problem on having to pull it back into our account like I did two weeks ago.

So here’s how things broke down, we had our internet bill due which meant no money going to the mortgage – yes I am starting to sound like a broken record here…going into Q2 2014 I am going to work much harder to correct this…

 $738.65
 $121.66 AT&T, 03/21 Pre-Payment
 $616.99
 $85.00 LAS Financial
 $531.99
 $60.00 Brigades Boys & Girls Club
 $471.99
 $63.44 State Farm, 03/24 Auto-Draft
 $408.55
 $200.00 Groceries
 $208.55
 $25.00 Dinner, 03/21
 $183.55
 $25.00 Jimmy’s Money
 $158.55
 $40.00 Cat & Dog Food
 $118.55
 $60.00  Gas
 $58.55
 $7.99  Hulu.com, 03/21 Auto-Draft
 $50.56  $50.56
8%  $4.04
 $4.04  $46.52

So there you have it – our budget – we’re back to square one – BROKE as a JOKE and not liking it at ALL!

How does one fix the above?

  1. First and foremost they STOP spending money frivolously
  2. They find a means to bring in more money – we’re working on this
  3. They find a means to take advantage of ‘free money’ (i.e. rebates, things benefits through work cover and such)
  4. They get smarter.

Any other suggestions? Taking them now!

Hope you all have had a good week!

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Comments
  1. duaimei says:

    I know the feeling of wanting to lose weight, but not wanting to have to buy smaller clothes. I hope your diet goes well.

    • ncreadergirl says:

      Thanks! I am enjoying the process and the shopping – it’s the budgeting I am having an issue with right now…don’t want to spend too too much because I know my size’ll change again in three weeks’ time…thank Goddess for Consignment shops!

  2. Messy Money says:

    Just a thought – not sure what the AT&T is – phones oh or maybe internet? Maybe you could get a better/cheaper plan if you are not on contract. Good luck with your plan. Looks like you are monitoring everything really closely.

    • ncreadergirl says:

      AT&T is our home phone/internet, we’re not on a ‘contract’ per se, we pay monthly and keep our services – we don’t have cell phone plans, I have one but my parents pay for it on their family plan w/Verizon Wireless, I just have to pay for any new phones/upgrades, etc. and obviously any overages I might incur. I track down to the penny…but things will be tight going forward…

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