Money, money, money! It’s our September budget!
September 2018 Budget
This month we are anticipating $4,700 in income. This month I am including $200 of my online income moving over from savings from last month’s online income. That is due to me working less hours at work to stay home more with the baby and work on my postpartum anxiety problems.
Here are our expenses for the month:
- Mortgage – $1,200
- Daycare – $480
- Utilities – $275
- Phones – $160
- Internet/Cable – $183
- Auto Insurance – $160
- Gym – $84
- College Fund – $25
- Other – $169
These are all things that are set in stone or must be paid. Utilities is the only variable one but it tends to end up around the amount we estimate, within at most $50 plus or minus.
- Groceries – $450
- Eating Out – $150
- Gas – $125
- Personal Spending – $200
- Fun/Entertainment – $50
- Shopping/Misc – $200
- Medical – $100
- Pets – $50
Variable spending categories are where we have the tendency to overspend. Limiting ourselves to $100 each for personal spending has been working pretty well and that has helped me especially stick to it and feel good about when I do spend on what I want.
This month with our “shopping” money we are purchasing some much needed house security items like cameras!
- Therapy – $300
This month I’m putting aside $300 to try out some therapists who could see me quickly. I tried to find a therapist I felt comfortable with that accepted my insurance… but no one could see me until the end of October. So I’m considering this an investment since it’s an investment in myself, in my brain, in my marriage, and in my life for the next 30+ years.
Sinking Funds – $250
Sinking funds for the month include the car fund, travel fund, and other savings.
So that’s the plan with our money for the month!
It still feels quite weird to be blogging about our income and spending on my actual blog with no anonymity. Money plays such a big part in all of our lives and I’m working hard to use ours carefully.
Hopefully that inspires others or at least motivates you to pay more attention to your money. Living with less debt and a plan each month makes things a little bit less stressful and that is what we all need!
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 so I want to share the budgeting tools I use to make budgeting both functional and fun.
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!