Tag Archives: Budget

One week in

Yesterday officially ended the first week of our modified DR plan. We managed to blow the budget on home repairs – that “Man Store” trip came in at $168 and I forgot that we owed $200 towards our deck – so much for the $50 I had budgeted.

I was feeling motivated yesterday so I paid all the months bills including those that are due at the end of the month. I want to do that from now on so that I can really see what is left in the budget. The good news is that I was able to rearrange some things and paid the car insurance in full (saves us $100!) and because I had previously transferred money to pay down debt I put $1000 towards our next CC on the list. It feels so good!

I am concerned about the food budget though. We have spent $300 of the $400 for the month already. $231 at Costco this weekend :-/ the dog food and disposable diapers were $70 of it. (I don’t know how people use disposables full time, wow! they are expensive!)

I’m feeling good. I’m feeling like this could be worth it… not sure what Hubby is feeling but he isn’t complaining too much so far 🙂

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The “B” Word

I have been reading Total Money Makeover by Dave Ramsey. While we don’t plan to follow to the “T” we are starting our Baby Steps with a budget. Here is the budget for this month:


The concept is every dollar has a plan so no dollars are wasted. We are also implementing a sell it and spend it plan. If we sell items locally on craigslist, to consignment stores, or on eBay we are allowed to spend that money as we wish. If we have no money – we spend no money.

Being that this is the first month I have been generous in some people’s eyes in certain categories – groceries, eating out, gifts. At this time we have cut nothing out of our budget like cable or other “wants” as I want to see how this works out. Everything I have read says it takes 3 months to get this plan down. Month one and I’m comfortable with us needing to adjust later.

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