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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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6 comments:
I am always amazed at ho much people need to live. That we can spend every penny we make just to get by. Scary. My husband has never brought home more than $1900.00 a month unless he is on fire. I am also jealous of anyone who has a husband that can provide!:)
I love homestead exemptions! My house is worth less than 75k according to the property appraiser so I only have to pay all taxes on 25k and then ~25k additional in school taxes...
Looks good! Our income is taking a big hit, so from here on in we're watching our pennies! We're on a budget billing plan as well and went over this month by $60! :( I think I'm going to pay it in full each month so I don't owe hundreds of $$$ next summer!
I was thrilled when our homestead exemption finally kicked in at our new house. Such a huge difference on our mortgage payment.
I have had to adjust the budget weekly. As I keep track of the money, I see where it is going AND that I did not have that outgoing money accounted for. The above budget is based on two incomes. When I was unemployed for a year, it was a much different scenario and a lot leaner.
I like the average billing plan. For the most part there are no surprises.
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