Author: Cheryl
•2:54 PM

People probably wonder in my grocery budget where is the food for the 7 pets I have. Well in our total budget for our two weeks I have a separate pet budget of about $10 or $20 to get their wet food, dry food, etc. Once in while I increase the budget for vet visits or flea or heart worm medicine. I have several categories in our total spending budget:

My Husband

Those are the main categories. But every paycheck I always think ahead to see if we need to add a category for that period. Oil changes, doctors co-pays, prescriptions, etc, are all figured into the budget that day so that we stay in the range we have to. I'm surprised at how much smaller this budget is than what we used to spend with our leftover paycheck money and we seem to have more food and be more content.

Milk. I see so many people having to buy 3 or 4 gallons of milk with their budget. I so feel for them, as they usually have several kids that I'm sure just tear through what they buy. In my household, there is only two us, and I am the only one that drinks milk and it is usually for my coffee or sometimes cereal. So we only need a 1/2 gallon of skim milk a week at the most. My husband hates milk. I won't even go into details of what he thinks it looks or tastes like. But having not to buy much of it, helps on the budget.

Thanks to our tax returns we made some huge strides this week. We sent a huge chunk of money to credit card #4. And as soon as our state returns come in we have it almost gone say minus a hundred or two.

We also sent a balance to our emergency fund to bring us up to $1000.00. Even though in these economic times $1000 in your emergency fund is not all you need, its $1000 more than we had before. So better late than never.

And remember when I told you that our rate on our Amex card went down and that I wasn't going to get too excited, cause I was sure the other foot would drop. Well it did, today I received notice from card #5 (good old &^$##% Chase), that the rate was raising by 4%. Which is more the reason to get working on getting that one down and gone as soon as I have #4 gone.

Nonetheless, I won't let that rain on our parade. We are still making strides and keeping on track to our goals. It has been 5 months since we started this marathon.
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On February 18, 2009 at 1:56 PM , Sheena said...

Good Luck with your credit card goals and budget. Enjoy your day!