As for fixed bills, these are bills that I can not change. I have cut to the bare minimums on everything so they are what they are.
The totals for utilities, life insurance, car payments, insurance, mortgage, savings deposit, etc was:
Credit Card Payments (only paid minimums this month) :
Monthly Food Shopping(this is our large food shopping at the start of each month)
Extra Money We Spent Throughout The Month: (here is were changes need to be made. Things we need to make changes to are in red)
Charities (NOT changing these) $20.00
Items for the house (not needs) $177.24
Gas – Lawnmower & Car $82.00 (this was higher this month because the Man had to drive up to NC to Duke for a follow up on his surgery)
Dining Out (the Man, Chinese food rare occurrence) $17.23
Extra Food throughout month $35.31
Prescription & Medical Needs $21.58
Beauty Products $24.37
The Man -Entertainment $59.24
Hair Cut – The Man $13.00
Extra Cell Phone Payment $107.33
Christmas Savings $20.00
ATM – For NC Trip to Surgeon $60.00
Specialty Dog Food (diabetic dogs) $60.00
Cigarettes & Quit Items : $334.03 (yes we smoke, don’t judge, we’re trying to quit)
Total : $1031.33
Going by the totals here I can now see why we are walking on eggs shells this month waiting for June and our check to come in. We had some expenditures that we couldn’t do anything about like the extra gasoline and the money needed for the Man to go to NC to follow up with his back surgeon, the extra cell phone payment which had to be paid, the specialty dog food which we have no choice in but buying, extra food. Hey, ya gotta eat. The Mans hair grows like a weed. Balding has never been something hes ever needed to worry about so every two months he needs a haircut, our prescriptions and insulin needles for the dogs can’t be changed and I refuse to change the two charities I give to.
As for the other items, things for the house, I didn’t need to spend that money. The Man didn’t need to spend money on more playstation stuff or fish tank stuff, my beauty products although I didn’t spend a lot I should use up what I have first before buying anything new, the Man had Chinese food one night. I won’t begrudge him that as we never ever eat out and yeah the cigarettes need to go not only for financial reasons which as you can see is HUGE in itself but for health reasons too.. We are working on it..
I’ve sat down already and worked the budget for June and hopefully we’ll do better than we did this month. I wish I could find a very easy to use program that would show me what percentage of our incomes go where. I tried using Mint but found it very confusing.. Any suggestions? I need something simple, like, real simple. I may be smart in a lot of things but when it comes to numbers and math they were never my strong suit..