STEF Total = 6.15
December Budget Meeting
Reconciling Quicken with bank statements: Reconciled up to Dec. 18th.
Reconciling last month’s budget: I didn’t make a budget the month before. My goal is to try to pay my bills, especially the house note, keep gasoline in the car and groceries in the fridge without racking up bank charges that equal half my take-home pay.
December 15th
Budgeting has too many systems and I’m not keeping up with them really well. I like the philosophy behind the GFD’s budget-to-zero spreadsheet, but I’m notoriously bad at filling it out. I need to get my hands dirty with Quicken’s budgeting features before deciding “ick, no like.” I have to make a plan for the month ahead and stick to the plan so hard I bruise it and me. Yeah, that’s a pleasant image.
In the spirit of budgeting, I got my numbers together for the December bills.
- Dec. 18th paycheck = $824.03 (take home pay)
- Must pay = $1132.26
- Nationwide Mortgage = 429.13
- Demco = 117.08
- Verizon = 71.55
- Liberty Mutual = 224.91
- AT&T = 289.59
- Would like to Pay = 824.47
- Citifinancial = 333.84
- Republic Finance = 212.10
- Chase Student Loan = 122.47
- TeleRecovery = 45.00
- Alpat = 62.06
- TurboTax = 49.00
Notice a small detail of what I don’t have listed: groceries and gasoline. And I already have a deficit. *Pulls hair*
Good news: I got money for graduation presents. *Tears up* I totally didn’t expect that. I am spending some of it on a DVD burner for the computer and a new pair of boots, but the rest will go on running my house. I’m torn between paying things off completely or putting it on a reoccurring bill. Which is better?
December 18th
What have I paid
- Dec. 18th paycheck = $824.05 (take home pay)
- Must pay = $1132.26
Nationwide Mortgage = 429.13Demco = 117.08- Verizon = 71.55
- Liberty Mutual = 224.91
- AT&T = 289.59
- Would like to Pay = 824.47
- Citifinancial = 333.84
- Republic Finance = 212.10
- Chase Student Loan = 122.47
- TeleRecovery = 45.00
- Alpat = 62.06
- TurboTax = 49.00
This leaves me with $160 in the checking account for fun things like gasoline and groceries. I may end up with more spare cash, since I have set back only $100 of my graduation present money to spend on the DVD burner and new boots, which I probably won't get to shop for until Saturday.
I also apologize for the sudden spamming of budget posts that don't really have anything interesting to say. :p
More will be coming on setting up January's budget.
Read Free!
The BookWorm
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