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The Budget Mom and Capital Improvements

March 20th, 2019 at 09:22 am


Hard to believe that Q2 is almost here, though as a SADD sufferer Spring is most welcome.

My relationship with the financial has done a total turnaround. I've found a system that finally works for me - the budget mom whose plan involves simply budgeting per paycheck. I was one of those people who couldn't make it work when we're paid on a random Friday for whatever reason. Now random paydates such as 3/8 and 3/22 aren't a big deal. So we are being successful. I have tracked the variable expenses for a long enough time now (three months) to know that my targeted amounts for weekly spending (groceries/gas/other) is $230. On a diligent week with good meal planning and no surprise needs I can do $210. I was able to cash flow the expenses for Confirmation (new dress shirt/tie/gifts for son and neice/and two events a coffee and cake get together and then a brunch). Now on to Graduation in May (only one child this year!)

I also spent $300 cash to have a deadish evergreen tree removed from our front yard. Our house is going on the market around 5/1. I was so happy to have found a small tree removal company who was flexible. Bigger companies quoted $650-$800. Cash under the table is king!

Hope all is well with my fellow SAers.

2 Responses to “The Budget Mom and Capital Improvements”

  1. creditcardfree Says:

    Did you know that I budget per paycheck? I use YNAB, but do not work a month ahead. We have emergency funds, thus no need for budgeting ahead. If we were without a paycheck, that's where the emergency fund kicks in. I know which things I need to pay during each paycheck, is it the same for you?

    Great job cash flowing your expenses.

  2. rob62521 Says:

    Sounds like you have a great system going there! Bravo!

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