Time for another update. This month's spending challenge, overall, is going really well, and has helped me figure out where I can trim our budget still further (groceries, eating out.) Unfortunately, we had leftover debt from last month, so instead of stockpiling this month's surplus, it all goes to paying off last month's excesses.
But I'm focusing on the positive -- to increase our savings next month (when DH will be officially without any income due to business slowdown, ugh!), I got rid of long-distance on our home phone (savings: $30/month), we deferred DH's student loan payment due to economic hardship ($116/mo.), DH managed to get out of one of his business subscription service contracts early ($78/mo.), and preschool will be over until Sept. ($370/mo. savings.) DH has also advertised for and gotten a few Spanish and guitar students which will hopefully help pay a few bills and stretch our savings long enough to get us through this patch. Fingers crossed for brighter economic times ahead!
$51 groceries, $2 household
$20 babysitter, $30 gas
$129 groceries, $39 gas, $11 lunch eat out
$32 household, $10 groceries
$9 snack eat out, $20 babysitter
$127 groceries, $11 household, $7 snack eat out, $49 gas
: $22 dinner take-out b/c I got sick and didn't feel like cooking
$5 groceries, $4 household
$3 groceries, $13 household/
: $6 on a bottle of white wine to make risotto for dinner. This would have been fine (planned spending), except that DH dropped the bottle as he was coming in the door and it shattered into a million wet pieces all over the hallway. What a waste!
: $42 at Target. Buying gifts for three birthday parties, which I currently have no budget for, but can't not attend (family/close friends.) But then I made it worse by buying random containers for the homeschooling room from the darned $1 bin at the front of the store. Cute, but totally unnecessary. I am reminded that this is why I try so hard to STAY out of Target -- I seriously lack willpower in that store! In better news, I brewed and brought my OWN cup of coffee to shop there this morning, so I didn't add insult to injury by getting Starbucks. Silver lining!
paid both cc's ($1610 & $150), $51 groceries, $5 for DS1's fencing tournament fees, $10 household, $13 Burger King dinner for DH and two of the kids while the rest of us were at a bday party, followed by
: $4 at Dairy Queen "to kill time," according to DH.
$11 groceries for baby's 2nd bday celebration;
: $14 on breakfast burritos b/c I was feeling deprived of eating out and didn't want to make brunch
$80 housecleaning, $36 extra car insurance to move us to a slightly later monthly billing cycle, $20 babysitting, $20 groceries, $30 household (allergy meds for DH and baby, more cough medicine, a BBT, and pg tests for me
), $10 for soccer trophy for DS2's end-of-season celebration.
Deposit $125 for Spanish lessons/reimbursement for friend's Rush concert ticket
$17 groceries, $20 babysitting, $7 dessert while on date night
Deposit $100 for Spanish lessons, spend $25 on clothes for me at Goodwill b/c none of my summer tops fit anymore
:, I've gained too much weight. Not at all my fav. reason to buy clothes!
: No drive day
No spend day
Planned spending day
: Unplanned spending, emergency, fell off wagon
4/5 No spend days
1/4 No drive days (this is a really hard one for our family of 7 -- someone always needs a ride somewhere!)
2/2 Eat out dinners
6/4 Eat out lunches/snacks