Hello and welcome to my mid-month budget check-in!
I figured halfway through the month is the best time to check in since some time has passed but there is still enough time to make corrections. I hope you enjoy this little peek into our budgeting process so far this month!
October Mid-Month Budget Check In
I love checking-in with my planner and writing everything down because it really makes me stop, slow down, and take stock of what we’ve done. It’s far to easy for me to look at an app and not really think about it or to not even track the spending and have a free for all.
Paper budgeting and check-ins with you guys keeps me accountable. Right now accountability is what I need the most as we work hard to stay with a budget and make progress financially.
What We’ve Spent So Far In October
Here’s where the budget stands so far halfway through the month:
- Mortgage – $599.99
- Daycare – $240.00
- Utilities – $203.77
- Gym – $86.98
- Daycare – $360.00
- College Fund – $25.00
- Therapy – $260
- Groceries – $370.53
- Dining Out – $125.71
- Pets – $17.00
- My Personal – $4.00
- Hub’s Personal – $30.00
- Shopping/Misc – $56.40
- Gifts – $20.00
- Fun/Dates – $40.00
- Gas – $51.12
- Medical – $282.56
- Unbudgeted – $137.05
- Other – $200
October Budget Thoughts
So far I feel super on track with this month’s budget!
Medical bills are once again blowing that category in the budget. Penny seems to get sick every two weeks and we’ve had an influx of copays and medical bills for her in the last couple months. That plus prescriptions for myself and my husband mean we are definitely on our way to hitting our deductible for the year!
Utilities were great this month at just over $200 for the past month. It’s going into a great time of year for lower bills for a couple of months before winter hits and the heat is turned up. With a baby this year we won’t be skimping on the heating expenses but I still hope to have a few reasonable months and we want to work on better weatherproofing the house.
Therapy has been going very well and the $260 feels worth it since she has given me actionable tips to help with key areas of my life. I’m also planning to go just once more this month so I won’t be spending the full amount I planned. We are also planning to start EMDR soon which I’m thrilled about and think will be very helpful for my certain situation. I plan to share more about therapy in the future but want to get further down the road of healing before I share.
Groceries are once again toeing the edge of being ridiculous but not quite over budget yet. We definitely have spent too much on drinks and convenience items so far this month but again it feels “worth it” when we are juggling work, baby, hustles, and social lives. I may just have to accept that while I’m working full time and trying to do everything else that we won’t have a super low budget like some people do when they can cook at home every meal from scratch.
Unbudgeted expenses are already over the “extra” amount left in the budget from the beginning of the month. But luckily the amount not spent on therapy and the difference in the utility bill more than covers this without dipping into another “fun lifestyle” category.
That’s all I’ve got for the October budget this month so far! How’s your budget looking?
What I Use To Budget
Below are some of the items I use to budget with! I get a lot of questions about what I use with my planners and the apps I use to keep my budget on track every month.
Happy Planner – I use my Happy Planner for everything including budgeting! I find writing down my budget and checking in on paper helps me to better remember and makes it feel more real.
Budget Stickers – I use a variety of budget stickers in my videos from Me And My Big Ideas, Erin Condren and various Etsy shops. I’ve linked my favorite budget sticker Etsy shops I use all the time below (affiliate links):
- Elaine Michelle Studio (youtuber & budget stickers)
- Planner Kate (matte budget stickers)
- A Happy Blue Tree (kawaii budget stickers)
- HoneyInked Planner Paperie (clear budget stickers)
- Planner Envy (bright budget stickers)
Every Dollar – My husband and I both use a shared Every Dollar app account where we actively track our spending. This works best for us since my husband doesn’t use a planner and we have joint bank accounts and expenses.
Mint.com – I’ve used Mint for over years as a passive net worth tracker. It’s a more passive option and I don’t actively update it except for once or twice a year when I want to gauge my net worth progress.
Hopefully these tools will help you with your budget whether you love pen and paper or technology!