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Budget Breakdown

So let's go over my budget breakdown. We will cover weekly and monthly items. I cover somethings weekly and my husband covers the monthly items. I am sure that doesn't seem fair, that is how it has been ever since we got married and started getting credit cards and a car payment.

The following weekly items will be paid or set aside every week and they are as follows:
  1. Personal Loan
  2. Babysitter
  3. D. Attorney
  4. Boys Visit
  5. D. Cigs
  6. PS4
  7. Diapers
  8. D. Cell Phone
  9. Doctor Visits
  10. T. Life Insurance
  11. Vehicle Fuel
After doing all the weekly bills we are left with about $75-$105 a week to make it to the next week. Since some of the money is going to savings for bills in the future we will be fine. Plus since the main item we can't really stock up on is milk, that is the one item we will know for sure we have to purchase each week. We are currently purchasing about 3-4 gallons a week and the current price is $1.89 a gallon.

 The following monthly items are paid at the end of the month with D.'s money, they are as follows:
  1. Credit Card Bills
  2. Cable Bill
  3. K.'s Cell Phone
  4. Car Insurance
  5. K.'s Attorney
  6. Groceries
 We will purchase 95% of the groceries at the end of the month when the monthly money comes in. Somethings we can't really stock up on but most of them we can. We have no rent or mortgage as the home we live in is paid off. The utility bills are paid by someone else - yes this is helping us as otherwise we wouldn't be able to afford to live here.

Like I mentioned before starting November 15th to November 22nd; I will be working 8 days straight to help with Christmas and a surprise for my boys at the end of the month. I could possibly pick up an extra day the week before just not sure yet.We are hoping that by the end of the year I might be able to drop the extra day on my short week but I am not sure how that will work since I included it in the budget. I am looking to redo the budget on my income at the first of the year and basing it strictly on my short week pay check every week since that should be more consistent. By the first of the year we will have paid off 3-4 credit cards, the car, cell phones for both myself and my daughter's cell, insurance on my cell, her cell, and 2 tablets. Getting all that paid off opens up approx $457 a month to use towards other credit cards. That amount starting in January will pay my attorney, the personal loan, and leave about $200 to go towards credit cards. Once taxes come in we will pay towards some bills.

Lots to think about but things are moving in the right direction.
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Location: South Bend, IN, USA

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