Saturday, October 8, 2011

October Budget and Climbing

Due to card reader issues I had to find a stock photo. I dislike using them, because they are not really my own. Sorry!

I really thought my computer had died on me. Now it just seems temperamental. It doesn't always want to start up and freezes fairly often when I do manage to get it going. I briefly had use of my XD/SD drive yesterday before it decided to not read anything. My sound said it was on, but didn't actually work. I'm hoping between my dying laptop and Sweetheart's dying laptop I can limp along until I actually have money to buy a new one. Thankfully there will be 3 holidays between now and the end of the year, plus an additional paycheck in the month of December.

I got my first paycheck on Friday that I need to apply to my new budget. This does not look promising. Only an extra $10 left to apply towards anything . . . not so good. I was really bad and didn't think about it until after, but I placed an order with Lock 'n Lock before getting my paycheck and looking at my new budget. Oooppss. I still have some extra cash from the past few months, but I need to be really careful with what I buy from now on. I can't go spending my 'free' money willy nilly any more.

But I want it! *Puppy eyes of doom!*

The Budget

Bills (Electric) $100
Bunnies $30
Car & Renter Insurance $46
Car Repair $60
Cellphone $36
Clothing $10
Cruise 2012 $0 *Completed Savings Goal
Free Money $20
Gas $120
Groceries $120
Health $10
Rent $100
Student Loans $372
Emergency Funds $20 *Decided I need a bigger fund

Grand Total: $1044/month (Take home pay.)

Not sure what exactly I'm going to do with any extra money. Kind of tough to decide. I will need a new computer at some point soon. (Fingers crossed I can hold out until Jan at least!) I also know there will be work to be done on Kori and more than likely new tires for her as well. I also really need a bigger emergency fund because I'm very nervous about how close to the edge I feel at the moment after looking at the numbers. I'd like to avoid more stress if possible.

The morning sun was perfect on these flowers. ^_^

Grand Total Last Month: $39,763.80
New Grand Total: $39519.14
Amount Paid Off: $244.66

Ouch? That is not a number that I wanted to see. I didn't make any extra payments last month in an effort to save up for that promised cruise. I wanted to at least take that pressure away from me so I wouldn't worry about it. With a number like this I would love to just pour all my extra money into my debt. ARG! This is a frustrating scenario. This next month will be just as rough and then November will come. November has two holidays in it and I'm working both. Thank goodness for the extra cash flow a head.

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