A Budget, Oh That’s Fun

Budgeting, yeah it’s a lame topic, it’s not fun. But wanna know what is fun? Your bills being paid, on time, having extra money to “blow” on things that you want whether it be travel, your hair and nails, or race car parts. Looking at you hubby. And the comfort of not worrying what to do each week/paycheck about money. So I’m going to tell you about our budget. It may not work for everyone but it works for us. We have 3 accounts, our savings account we have money set aside for the oh shit, the fill in the blank broke now what. It is our Oh Shit account, we leave it alone unless something major comes up, this month that has been replacing the roof on the shed, getting a new garage door motor and now to replace the sub floor in our kitchen because it some how got wet and buckled. Yeah murphy’s law. We also both have checking accounts. Hubby pays part of the bills, I pay part of the bills and where 1 is short the other is there to pick up the slack or transfer money between accounts. But what is different is we have started where each paycheck (every two weeks) we pull out 500 dollars and that is our money for 2 weeks. This doesn’t include bills but does include groceries, gas, eating out, random store drive bys to “pick up milk” and 50 dollars later you walk out confused as to how that happened. Here’s looking at you Wal-mart. Now since we just started this I will write later about how it goes. But that gives money to all those topics plus money to blow each month or save each month for a bigger item but it also keeps our spending in check. Now I also put back 50 a paycheck for travel, we go out of town twice a year to visit family so that goes to travel and Christmas, it honestly adds up pretty quick. And then we are loosely following Dave Ramsey and making a go at getting debt paid off from smallest amount to largest one. Obvi we don’t follow him to a tee because we save extra, we go on vacations yearly but we are working on paying off debt and if anyone wants a helping hand in making a budget give me a shout because I am lame and enjoy making budgets.