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July totals

August 5th, 2006 at 07:26 pm

Late again...I have not been so anxious to do this since I started using Yodlee and can see net worth at a glance...but it's important to see how close to the budget I am sticking.

Goals for July were:
1. Cut out quick trips to the grocery store. I only made two or three trips this month, down from four last month. Slight improvement.
2. Cut back on gas consumption too. I managed a monthly expenditure of $224 - lowest in a while. A lot of this came from driving DH's car whenever possible instead of my minivan (although I must admit it had more to do with my broken AC). I cut out a few smaller trips like garage saling, running to the store when I really didn't need anything, etc. It also helped that DH's Monday night classes were cancelled, saving 60 miles per week.
3. No more ATM fees! Almost achieved - we only had one cash withdrawal for the entire month ($60 compared to the normal $200-300), but it was when DH was out of town to see his grandfather in the hospital - he had to go where he could to get cash.

July budget:
Groceries: 275 -> 337.19 (I put on several parties this month - accounts for the extra money spent)
Household/Cell: 409 -> 192.47 (still owe mom $240)
Car: 300 -> 224.84 YEAH!
Medical: 15 -> 30 (two co-pays)
Clothes: 20 -> 0
Loans: 300.36 -> 285.01 (paid the minimum on car loan instead of adding a little like usual)
Entertainment: 75 -> 364.54 ($342 reimbursed to me for bachelorette party - included in monthly income)
Gifts: 200 -> 132.40
Miscellaneous: 150 -> 327.84 (I forgot to include my future SIL's shower expense in this estimate)
Real estate: 0 -> 0
School: 2886 -> 2912.44 (tuition and books)
Investment: 0 -> 0
Cash withdrawals -> 160 -> 62
Total expenses: 1904.36 without tuition, (4790.36 with) -> 1982.73 (4868.73)
Estimated take-home income: 1893 -> 2134.01 (counting garage sale and farmer's market income)

Not too bad...considering I thought this month would be a lot worse. The extra time on my paycheck really helped out.

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