So October has been a good month budgeting wise so far and I think it is because I’ve been so organized. I have noticed that budgeting (or eating well or anything that takes effort to achieve) goes better if you are organized.
October Paycheck To Paycheck Budget
- Mortgage: $600
- Phone/Cable: $245
- Auto Insurance: $160
- Therapy: $130
- Gas: $70
Savings & Sinking Funds
- Emergency Fund: $500
- Car Replacement: $100
- Christmas: $200
- Pets: $40
- Couch: $100
Our budget for the second paycheck in October was pretty simple. I broke it down into bills and items on our cards or pulled by ACH, cash envelope items, and our savings and sinking funds.
I broke down our savings and sinking funds this time though I don’t normally go into detail on these or share total numbers of savings. I think it’s important to show that we are saving, but I’ve got to draw the line somewhere right?
October Cash Envelopes
- Daycare: $240
- Grocery: $120
- Dining: $20
- J Personal: $40
- M Personal: $40
- Fun/Dates: $40
- Giving: $30
- Pets: $20
- ZooBoo: $50
- Shop/Misc: $40
In the video I gave my husband $20 more in his personal spending money and shorted my daycare pile! Luckily though things get double checked and my husband always counts the money I give him for daycare since he pays the bill weekly, so it was sorted out.
I decided last minute to start Whole30 with my sister-in-law and her sister after I filmed by budget, but I have a feeling my grocery, dining out, and personal spending is about to change! Going into Whole30 last minute (we started the next morning) was a bit impulsive and I didn’t prepare well but it’s gone well so far and my grocery bill was much lower than it normally is.
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!