It’s November budget time! Since Christmas is coming up (along with some other holiday stuff), we’ve got a few more expenses than normal. Which is ok- we could save more for Christmas throughout the year, but this way works for us, right now.
Yucky Yucky Debt
- $135,225 – Progress is progress. Dave Ramsey calls them baby steps for a reason.
- Planned payments: $1200
- Planned over-payment: $1200 (I’m hoping this ends up being more. I think I’ve over-budgeted in a few areas, but a few things this month have some cost uncertainty associated with them. I prefer to over-budget and be pleasantly surprised than under-budget and be left scrambling.)
- Rent: $1300
- Utilities: $280
- Phone: $51
- Groceries: $600- This is high to account for both a tentative “welcome home” party we might be having for B. (who is returning sometime this month!!!) as well as an extended visit from my sister and brother-in-law (and my adorable nephew).
- Gas: $300- Once B. is back stateside, F. and I will have to drive a bit (4.5 hours!) to go collect him. So gas will be required to do that.
- Daycare: $1003
- B. Cash: $500- this will hopefully cover what he needs as he returns. We shall see.
- Netflix: $11
- Restaurants: $100 – With so much traveling and family coming in from out of town, this may be hard to stick with. But I’m going to try!
- Pet care: $800 – Ah, the joys of owning a pet. Due to some elevated values, R. has to have an ultrasound done as well as some unknown other testing. The ultrasound is $500 (ugh) but I’m cushioning that amount for any other testing/charges. Just like people, pets generally tend to incur more medical expenses as they get older. Since R. is 13 years old, I’m guessing this might be the new normal for a bit.
- Clothing: $150- The weather has turned to slightly warmer than frigid here and I realized that I am in dire need of some winter-appropriate shoes for work. I had shoes to make it through last year, but pretty much all of them developed un-fixable holes at the end of the season, so I need to re-stock my wardrobe with some work AND weather-appropriate footwear.
- Sports and Entertainment: $75
- Miscellaneous: $200
- Hair care/cosmetics: $75 – I need a haircut and some make-up all in the same month. I don’t think it’ll cost $75, but I’d rather estimate too high.
- Fun money: $100
- Doctor: $50
- Maid: $200
- Lawn service: $400- I think this is high as well. $250 is for the bush and tree trimming they did last month. I still haven’t gotten an invoice for that yet. However, I think they may have also cut our grass once or twice. Fortunately, I think we’re done with yard work for the year.
- F. Birthday: $75- Instead of a party this year, F. asked to spend the entire day with Mommy, doing fun things 🙂 So we’re going to do whatever she wants to do. Currently, she wants to “eat pancakes,” “fly on a rocket ship with Mommy,” and “go to the park by our house.” I’m really looking forward to seeing what she comes up with on the actual day.
- Hotel: $250- As I mentioned above, B. is coming home! After six months of being deployed, I am eagerly anticipating his return (and yes, compared to most military deployments, we are very lucky). However, he’ll be returning to a location 4.5 hours from our house and will need to be picked up. This will likely necessitate at least one night in a hotel (since traveling with a toddler is challenging) but I budgeted for two, just in case.
- Christmas presents: $300- This should cover the majority of our Christmas spending. We try really hard not to go overboard with F. Sometimes we’re more successful than others. I try to stick to a little maxim I read somewhere long ago: “Something they want, something they need, something to wear and something to read.” I’ll check back in after Christmas on how that went…
- Charity: $50- A holdover from last month. We generally do most of our charity spending in December, but I’m always on the lookout for other opportunities throughout the year.
Total Planned Expenses
- Percent of total income: 73%
Oof. I knew this month was going to be bad, but ugh. For those of you not keeping track, this is roughly $1800 more than we aim to spend in a month. I actually think December will be better, which is just sad since, you know, Christmas.