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I just realized something- I completely forgot to spell out my budget details last month. I know, I know….I totally dropped the ball. But I’m going to make up for it somehow! Pinky swear.
Fortunately, last month was pretty boring when it came to budgeting and spending. I mostly just paid the mortgage and bought groceries, and paid for a bunch of other boring Midwestern housewife stuff. The only expense that was out of the ordinary was the $400 I spent at FinCon. And, as I told you last week, that was totally worth it!
Club Thrifty News
First of all, some exciting things are happening in and around the Johnson household. For starters, we’re getting this here website completely refurbished…by a professional. That means we’re paying real money for it, folks! No more half-ass blog designs with my vacation pictures plastered all over the place- things are getting serious. And we have plenty of plans for our new design, including the launch of my new business.
Yes, you read that right – more to come on that soon. Pinky swear. Again.
In other news, my writing calendar is already booked up this month, which is stressful….but awesome! We don’t have many plans on the personal front aside from going to see Pearl Jam in Denver on the 22nd. Other than that, I envision a lot of nights and weekends working- and copious amounts of Real Housewives streaming live on my Roku box.
On the other hand, the countdown to our trip to London and Paris is officially ON- 27 days to go until I embark on an 8-hour plane ride from hell. I don’t want to tattle on myself here, but I may have gotten a doctor’s prescription to take the edge off. Remember how much I hate flying?
Club Thrifty October Budget Breakdown
We all know what you’re here for. So let’s get started, shall we? Dear nosey readers, I now present you with my October budget breakdown:
- Mortgage: $1,500
- Groceries: $600
- Daycare: $540
- College L: $25
- College V: $25
- Gas/Misc.: $200
- Cell Phone: $35
- Health Insurance: $394
- Electric: $100
- Water: $40
- Sewer: $35
- Gas: $25
- Internet: $51
- Denver: $150
- Grass: $52.50
- Pictures: $350
- St. Maarten: $175
- Christmas: $200
- SEP IRA: $1,000
- Roth IRA: $1,000
- HSA: $2,000
You’re probably wondering about a few things, and that’s okay. Asking questions is perfectly normal- and even encouraged here. Don’t be ashamed! But first, let me go ahead and try to clear a few things up for you:
First of all, my mortgage is not $1,500. I’m just overpaying it because I hate having bills! Second of all, some of my bills are paid irregularly- things like car insurance, life insurance, etc. None of those bills are due this month which is why they are not on my budget, capiche? And third, people always ask me why I don’t budget for homeowner’s insurance or property taxes. Both of those expenses are paid out of the escrow account I contribute to with each mortgage payment. A few more things:
- The $150 I budgeted for our trip to Denver is for taxis and food for the two days we’re there to see Pearl Jam. Our flights and hotel were paid for with credit card rewards. #Winning
- No, the $52.50 I budgeted for “grass” is NOT so I can buy weed in Denver. <LOLOLOL> I got a lawn treatment done. Gotta keep up with those Joneses!
- Let’s get one thing straight– $175 is not enough to go to St. Maarten. The $175 I had to pay was for the taxes and fees for our airfare in January. (Yes, I’m going to St. Maarten and maybe Anguilla for my 35th berfday. Sue me.) Other than that, our trip was paid for with 90,000 American Airlines miles. I’m still working on the hotel part, but it will definitely be paid for with credit card rewards.
- We are paying $350 for professional pictures, outfits, and photo editing for our new website design. And that’s one thing I love about having an online business. Instead of taking out an installment loan to open a storefront or business with a physical location, having an online business means that I can just pay for and budget for our expenses as we go.
- The $200 I budgeted for Christmas will allow me to get started on my Christmas shopping.
- As I mentioned a few days ago, we’re losing our traditional health insurance starting January 1st. That means that we’ll only have access to a health savings account for a few more months. The contribution limit for 2014 is $6,350 for families, so we’re trying to put as much money as we can in before the end of the year. I put $2,000 in a few months ago and I’m putting another $2,000 in this month. My plan is to put another $2,000 in next month too. (Related: Why We’re Opting Out of Obamacare)
So, that’s about it. This month, I’m trying to have a better work-life balance, be a better wife and mother, and make dinners that don’t involve cheese puffs or canned fruit cocktail. Wish me luck…
Any questions about my monthly budget? How is your budget looking this month? Anything new or exciting coming up?