Budget Finally!!

I finally figured out a written budget.  I’m only figuring in Dave’s income based on just 40 hours per week.  He will have holiday pay in January and he is hoping to work a little overtime.  I’m also not including any income from my ebay sales or my Thirty-One Gifts since neither of those are guaranteed income.  Hopefully I’ll make good money with Thirty-One but I’m not relying on that money yet.  So here’s the plan:

  • $20 per week for gas As long as prices don’t go up this should be ok, however I have a feeling if we travel anywhere it’ll be more.  If we plan on doing anything extra we are going to have to make that extra money with either overtime or ebay.
  • $60 per week for groceries.  This is a little high and with the pantry challenge this month I don’t plan on using this much this month.  This will let me have extra each week if there is some good deals or great rebates, whatever is left from this at the end of the month will also go into my ING account.
  • $20 per week for fun.  I almost always make at least this much from my ebay account so it will be funded from there, if I don’t make that much then we won’t spend it.  Since this is the biggest splurge it will come out of the ebay money.
  • With all the other regular bills that doesn’t leave alot left over but we will plan on putting $200 a month into the ING account.

I’m hoping to make more money with ebay and Thirty-One.  If you haven’t heard of them please check it out and let me know if you are interested in anything.  I’m also considering setting up an Etsy account, I have a very crafty side and it helps me relax.  I’m going to check it out and maybe start crafting and possibly sell some of my items.  I make jewelry, scrapbooks, paper piecings, knit projects, sometimes crochet, sewing.  What can I say growing up I had a mother who could do lots of crafts and I have crafting ADD so what she didn’t teach me the internet did.  Plus I have some income from this blog and Swagbucks and if all else fails I’ve been considering a part-time job.

As you can see I really want to put away more money to move.  I hate the apartment we currently live in with a passion, the hatred grows everyday and Dave and I plan on not putting the Christmas tree back up here.  So we either move and rent a house or buy a house.  I’m not fussy either way at the moment.  LOL

So how is your budget coming?? How do you plan on making a little extra? 

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Together We Save said...

I love the new look!! You have your budget done... I need to get to work on mine!

Tiffany said...

Good Luck with your budget, it took so long for me to get one figured out. And thanks for the compliment, I agonized over a new design for a while still has a few kinks I'd like to work out but all in time.

Precious said...

Hi Tiffany,

I hear you about the apartment. I hated our first apt. when we got married so many years ago. It was awful. Sloping ceilings- you had to roll to get into the bathtub. If you sat up quickly in bed, you
hit your head! I am not kidding! But by living there for almost 2 years, we were able to put a down payment on our first house. The rent was cheap so we made our own fun there. It was the best thing we ever did.

Now that we are again in a apartment, waiting for our home to be built, I am remembering what it was like. Not enough room, noisy neighbors, etc. Worse part is trekking all the groceries in from the parking lot. I will survive. I have just gotten very spoiled living in big houses.

I am glad you have your budget worked out. It makes saving a whole lot easier when you have a plan. Good Luck!

Tiffany said...

I can't imagine hitting my head when I got out of bed. We have problems with the neighbors one of them has started smoking and it's coming through the vents and playing havic with my allergies.

I'm excited about having a written budget to follow. And we are looking at rentals close to what we are already paying here. It shouldn't be too hard since rentals have been dropping in price. We are also taking a trip to the bank to find out exactly what we need to do and if there are any programs available for first time home buyers.

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