The good, the bad, and the UGLY-
My final July budget-
Income- my pt work- $237.56
dh's pt work- $690.37
unemployment $1,053
total- $1,980.93
plus expense check from dh's new work- $591.37, $200 from mil, $10 from dh to charge my phone.
total deposits- $2,782.30
Expenses-
mortgage $1359
home equity $373
deposit on apartment $100
phone $55
heat $112- negotiated, our actual bill is now about $450
elect $79
insurance for cars $115
cells- 4 uploads $40 this is dh's only phone now
credit cards $525
doctor $30
dentist $50
water $81
trash $37
internet $50
business $40
paper $30
$3,077 plus variables -$500 gas for cars, $85 church, $23 group gift for my parent's anniv-theatre tickets for the season, $8 recreation, visit to the Science Museum, tickets for low income $1 instead of $18.
total $3,693
total deficit $910.70
We charged some (a lot) of the gas, and my mom and dad are going to lend us $500.
Month one of living in the red. Next month dh's rent will be due, $700. This includes utilities. This will be an additional expense. I paid $20 to the phone company today, due next month, to drop $9.50 in services. This will be paid off in a little over two months. I discontinued the Sunday paper, hope to get if from my sister when she is done, maybe. The internet/cable bill will drop to $37, this month I paid the change in service fee. Our expensive credit card says no payment due in August, I will send in $200 in August to cover finance charges, this will save $200. My mil has said she will send $200 to dh every month to help with his rent for the first 4 months. Dh makes $530 a week for the next 4 months, he will get his first check Aug 13, it will go for his rent. I have zero in the bank. We are very thankful to have food stamps.
August-October will be deficit months, as well.
