Well we have it all worked out, found all the err money, OT was piling up thankfully, but not enough, too much lax on the grocery spending. So I made excell tell me how much I spent so far this month, and how much is left from the budgeted 500 (seeing as how it used to be 400, I feel soo much freedom, and I love it)
I also made a sperate category for 'misc' which would mainly be gifts, right now if we eat out we call it food and take it from the grocery budget..so you could buy gormet nuts or you could buy lunch out.
and we are going to up the auto saving, which will actually bring us up OVER 10%!!! first for our parenting lives. (pre kid we wer rolling in loot!)
Still no allowence, but since he does work so much OT we are going to use it for paying off the car and some 'fun'. I am thinking of being anal and making it a % system, IE leftover from one month is 15% his to waste and 15% mine, remaining 70% goes to the car, course I still am not figuring how to pay the principle of the car instead of a prepay...have to call them next month (when we know how much is leftover) and figure that out.
Anyway being anal gives each of us more fun when he works more, while still having to be a budgeted amount, instead of 'I think we have extra why not splurge' (which is why the leftover in the account isn't as nice as it could be right now!)
Finalized budget
January 18th, 2007 at 05:30 pm
January 18th, 2007 at 05:41 pm 1169142063
January 18th, 2007 at 07:08 pm 1169147280
January 18th, 2007 at 07:25 pm 1169148300
January 18th, 2007 at 07:27 pm 1169148427
January 18th, 2007 at 09:22 pm 1169155353