I really love the
first day of the month. It is a fresh slate. Anything that I screwed up in the budget last
month is in the past. Mint.com brings me
to a new budget page and I get to input my monthly income, each budget category
amount and hope for the best. Things
haven’t gone so smoothly the last few months for several reasons. We had some unexpected travel expenses, a job
loss and veterinary fees for our kitty, Cody.
The 1st of
the month is a great time to readjust the budget items to more properly reflect
the reality of your situation. When I
first got married I assumed our budget would double. I budgeted $200 per month for groceries when I was
single. We got married and I assumed we’d
be fine with $400. This never worked for
us. The budget went up to $500 after a
couple of months of running over. Then I
realized that if we were going to eat mainly organic/free range/grass
fed/non-GMO food, I would have to budget for that as well. We’ve been rocking the $600 grocery budget for
a few months now and I think we’ve finally found the sweet spot that works for
our family. We prioritize having a clean
diet, so we eat out a lot less to pay for it.
This month we’ll be
getting an influx of money from my husband’s last free-lance consulting job. That will enable us to catch up on our
savings that went awry in September and October. I’m not beating myself up for not making my savings
goal of $1500 the past 2 months because we didn’t screw up because we were
selfish and frivolous with our spending.
We had legitimate unexpected expenses.
And we didn’t go into debt to handle them, we cash flowed our
problems. Our emergency fund is still
intact and growing. That’s a win in my
book.
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