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| My desk at work |
Mortgage 884
Electric 150 ( signed up for average billing plan so no more surprises
Cable 135
Personal 100
Tolls 130
Ins auto 128
Grocery 550 ( going to try to do better this month)
House 200
Tithe 700
Savings 50
Credit card 500
Eat out 150
Gifts 100
GAS 500
Total 4412.00
Income 4460.00
Online income 400.00 ( this is not factored in budget because amount varies each month. At end of month any surplus is spent on immediate needs such as car tune ups, yearly pest control that I forget to budget for.)
As of last month, we started the Average Billing Plan with our power company. Now our bill we be around or close to 150.00 a month. They will re evaluate the amount every quarter and adjust as necessary.
I contacted our mortgage company last week as well. The Homestead exemption was approved for our primary residence and this lowered or mortgage payment because our escrow requirements were lower. The clerk that was helping me refunded an excess amount from our escrow ($1000.00) that we applied to our credit card. Our payment also went down $200.00!
We are going to continue to pay the same amount ($884.00) and apply the difference towards the principle. That additional amount will take an extra 6 years off our mortgage.
How is your budget looking for October?
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