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October wrap-up

November 12th, 2006 at 07:12 pm

What a shocker. I thought I had done pretty well this month, especially in groceries - my biggest trip was $67. But, I was sadly mistaken. A lot of little trips added up to a lot of money. Here's the wrap-up:

Goals for October:
Groceries: 250 ->360.51 OUCH - better go back to the envelopes!
Household/Cell: 90 -> 179.52 (two months of cell bills paid in the same month)
Car: 325 -> 345.75 (I think we would have made this except for a few unplanned trips to Binghamton due to family illness)
Medical: 75 -> 15
Clothes: 0 -> 0
Loans: 300.36 -> 300.36
Entertainment: 175 -> 143.30
Gifts: 75 -> 49.36 (still have one October gift left to buy though)
Miscellaneous: 50 -> 64.19
Real estate: 0 -> 0
School/Day care: 120 -> 80 (this does not include DH's tuition, which adds another 1303.75)
Investment: 0 -> 0
Cash withdrawals: 40 with no fees -> 260 with 3.25 fees (darn that DH!)
Total income: 1149.00 -> 1338.00
Total expenses: 1500.36 -> 1801.24

Another month subsidized by the EF. Can't wait until next month when DH can start substitute teaching (how long have I been saying this???)...although I imagine we'll have to subsidize Christmas shopping from the EF too. But in January, oh boy, it will be a whole new story Smile

November projected budget:
Groceries: 250
Household/Cell: 90
Car: 350
Medical: 0
Clothes: 0
Loans: 300.36
Entertainment: 140
Gifts: 200 (one birthday plus the start of Christmas shopping)
Miscellaneous: 50
Real estate: 0
School/Day care: 160
Investment: 0
Cash withdrawals: 80 with no fees
Total income: 1300
Total expenses: 1620.36

Posted in Uncategorized | 3 Comments »

3 Responses to “October wrap-up”

  1. janH Says:
    November 12th, 2006 at 07:47 pm 1163360873
    1163360873

    Hang in there. It sounds like it is going to get better real soon. I can remember the days when I worked while Hubby was in school. And we didn't have children then! But it will all be worth it when your DH gets out and gets to work at a job he enjoys. Good job for getting him through it all! (My MIL gave me a "diploma" when Hubby graduated. She hand made a calligraphy diploma that was a PHT degree--Putting Husband Through college degree. She had put hers all the way through PhD!--although our Hubbys did work part of the time for tuition and stuff.)

  2. boomeyers Says:
    November 12th, 2006 at 08:11 pm 1163362283
    1163362283

    Hey, at least you are doing a great job of being acoountable for what you spend! Great job!

  3. Emma Says:
    November 13th, 2006 at 02:28 am 1163384887
    1163384887

    Keep on keepin' on!! By the way, I highly recommend the cash envelopes. We use them for groceries, clothes, entertainment, gifts and blow. It's a sure-fire way to make sure you don't blow the budget. And, it eliminates the ATM withdrawals and fees. Smile

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