Category Archives: Budget Changes

July Review – Good & Bad

Good: We ended July with $547 still in checking – I can’t remember the last time we ended a month with money in checking.

Bad: We ended July with a $616 MasterCard bill – Yep that $547 was already spent.

Income: $2242.77 from our company, $550 rental (we didn’t have renters for 1 1/2 months so we are happy to see this number), $123. 61 other income 🙂 Total $2916.38 = $1633.62 Under budget

Insurance: $63.52 car insurance, $19.47 life insurance, $503.05 health insurance (went up by $69.94 this month) Total $586.04

Utilities: $36.99 internet, $89.32 gas/electric (includes rental utilities), $45.06 water/garbage, $129.75 phone bill (going to see if we can lower our minutes), $60 sewer (every 6 months) Total $361.12 = $41.12 over budget

Gasoline: $187.09 = $7.91 under budget  (Going to lower budget to $170 because I was $100 under budget last month)

Medical: $46.98 (Rob found Poison Ivy on a hike) $17.02 under budget

Groceries: $52.92 Week 1, $22.98 Week 2, $150.27 (Costco $88) Week 3, $37.96 Week 4 Total $264.19 = $40.19 over budget

Company: $87.23 = $24.91 under budget

Savings: Added $104.22 = $395.78 under goal

Repairs: $99.31 = $50.69 under budget

Gifts: $55.80 (2 weddings and a birthday) = $21.20 under budget

Other: $123.60 = $73.60 over budget (I’ll have it broken down next time) Since I only deposited $21 into the “Other” we ended up $102.58 over budget.

 

 


I Hate Health Insurance!!!

Okay not really, but seriously people, seriously do you have to up my payment by $69.94!!

As grateful that I am that you made the hospital adjust our baby’s two day NICU stay from $7000 to $1000 we can’t afford to pay you an extra $70 a month!!

Our new insurance guy suggested that we reapply for health insurance every two years, we took that a step farther and reapplied with a higher deductible too.  The amount we will save every year outweighs the higher deductible.

We sent the reapplication in last month, so hopefully we get a response this month.

Changes to the Budget

Insurance $518.00 -> $586.04
Repairs $150.00 -> $125.00
Gifts $77.00 -> $50.00

Other $50.00 -> $30.00

Ouch!!