Brandy - hope you don't mind I'm starting this thread.

 What are you budgeting this month?

I don't mind at all since my access to the internet is limited at this time.

Sept.

Mort. 355

gas 61

electric 23

water 52

gym 38

trash 11

internet 27

cable 13

car ins. 50

phone 8

food 250 (special diet)

gasoline 125

toiletries 30

pets 50

cleaning 10

credit card 200

Entertainment 50  

Medical $50

Rx $29

Haircut $15

-----------------

$1447 Total

Takehome:  $1116 from disability, $500 from job = $1616

After posting that it was perfectly acceptable for Esiders to beging this post as I had much on my plate, I completely forgot that it was done and started a new one. So I am moving the few posts from it to here to combine the tracking.

Thank you to Tracy for pointing this out and perhaps she can be as keen on spotting where I left my tired brain, LOL!

My Quicken budget has an amount of $3,382 for expected expenses this month.

Our expenses so far:

Expenses - Sep 2008     9/1/2008 through 9/07/2008

   
 Auto 39.67 
 Misc 1.00 
 OVERALL TOTAL 40.67 

This does not include spending for food and clothes as those things came out of cash. I am not tracking our cash expenses with Quicken.

Sun, Sep 7 2008 12:49 PM

In reply to

Mon, Sep 8 2008 11:15 PM

In reply to

This is our last month before our new mortgage kicks in. Our new mortgage will be about $220 more a month, to account for an increase in property taxes and a slightly higher mortgage. But this is for September, as we have the current bills coming in:

Mortgage/taxes/ins: $1000

Tuition/daycare/education fees: $1200

Electric: $115

Gas: $75

Garbage: $16.50

Phone: $32

Cells: $69

Cable/internet: $115

Newspaper: $10

Life Ins: $150

Entertainment/eating out: $300

Personal: $100

Clothing: $200 (looking for needed winter items and school clothes)

Credit cards: ZERO!

Groceries: $400

Supplies: $100

Gasoline: $350

Total expenses: $4232.50

Yikes! This will be a more expensive month and tighter at the end. I increased supplies, clothing and entertainment as we have set plans this month which need a baby sitter and eating out and I still need a few items of clothing for the boys and my husband for school. Supplies increased from $75 to $100 just because we seem to be spending closer to $100 a month so I made the adjustment. I need to track my husband's ATM spending a little more closely as I found a couple of receipts for the hardware store. Needed items but he also tends to "throw" a few extra things in. As if I have never done that myself, LOL. Gas I held steady but hope it actually comes in less. Same with groceries.

As a side note, I don't put savings or church/charity down as those come right out of our checks the first of the month. Same with health insurance and retirement. Don't even have to think about those since they are auto-deducted before I get my paycheck.

 Our budget so far-

Have paid

mortgage $1359

credit cards $528

home equity $350

heat $242, our new budget amount, eek.

medical $50 dentsit

 $20 one doctor-orthopedic for dd

$10 another doctor- dh

water heater payments to Sears $45

gifts $35.57

education $34, field trips, etc

charity $30

Groce-non food, cleaners and rings and lids- $20

Total spent so far

 $2,373

Income so far

dh income $1300

$84 my unemployment

$200 my mil is sending towards rent

$394 expensechecks in, for mileage, not really income, but deposits

total deposited

 $1,978

Bills to pay-

electric

auto insurance

two more little checks to church 

So, not doing terrible.  Dh is getting his pay now, and he kept out the money for his rent, $600 this month.  The landlord gave him a $100 discount.  I think dh will just use th extra $100 towards gas.  I am hoping my friend pays me for babysitting, I do need to find another job.  

I still have a few hundred in the bank, although my cushion is melting like the glaciers.