A clean slate for August! Yay! I'm Rebecca, SAHM to Dillon and Elizabeth. We are STILL getting used to not having my income, after 8 months! The first few months I tended to dip into savings to cover the deficit between income and spending
:, and I had to stop doing that, so now I am finally budgeting based on what we make, not on what we spend!
I actually did pretty well last month, I'm proud of myself. I have a few things I want to tweak this month. My main goal is to go to cash only except for bills. Once all our regular monthly bills are paid, I should have $300 a pay period left for everything else--groceries, co pays at the doctor, gifts, everything. It sounds like a ton of money, and somehow I'm going through it. So I'm going to try taking out $250 in cash when DH gets paid next week, leaving the debit card at home, and see how it goes. I've always done better with the debit card than cash, I run through cash. But anymore, since Starbucks and everyone else takes my debit, I think I'm using it like cash and not paying enough attention to my spending!
So far this month I'm doing spectacularly--I am not planning to go anywhere today, so it will be a no spend day, and I just called XM Radio to cancel DH's subscription (which was already paid up for the year), so we are getting $75 back from them. AND they gave us 3 more months free to try to entice us back--it doesn't automatically renew or anything, so I don't have to cancel it in 90 days. I also counted up my Meijer Baby Bucks, and had enough to get a $20 gift card yesterday, so I got dog food for free and still have $6 left! (okay, so that doesn't count since it was yesterday, but still
) My mom buys diapers for her incontinent dog and gives me her baby bucks, so I haven't actually spent a fortune on baby products. We should also be getting a check from DirecTV in the next week or two from when I canceled our cable in JUNE! It takes them 8 weeks to send a check out, which is ridiculous.