Way to go, finding ways to bring in more income. And yea, involving your partner will be a challenge, but hopefully a really rewarding one. The more in-step my Ruby and I feel on money, the better everything else seems to go too. Thanks for posting a “you can do it” response!
I know the Dave plan works. It still seems insane when you actually see it trickle down to your kids. When my son was in Jr high he was the only kid in his class who knew what a IRA was. They told him to make a fake budget with a credit card and a car payment. He refused. That’s my boy. I am soooo glad I found this wp forum. 🙂
The last 2-3 weeks have been crazy around here. dh went on a trip with some men from church that was planned several months ago, left on 2/6 and got home 2/9. They went to Atlanta for a men’s conference. It’s a long story but he had to leave less than 24 hours later to be with his dad while having surgery to help him recover from a burn injury. Originally the surgery was supposed to be Wednesday, 2/12 and dh was going to go up on 2/11. Then we got a call it was on 2/11. So dh packed a quick bag on 2/10 and left. On the way up dh got a call that it was 2/12 after all. He went on up and spent a little extra time with his dad. The hospital is about 5+ hours from us. I figured Valentines would be bypassed for us this year. I was dealing with a toe issue and had to go to the doctor and was dealing with some short term depression, anxiety and stress over several things (kind of like a Seasonal Affective Disorder type thing) … our weather had had been overcast/rainy for days on end which did not help. Anyway, dh got home on Thursday, 2/13. That evening he showed me something he had gotten dd for valentine’s day. I thought to myself that it was nice of him to do that, figuring WE were forgoing the holiday. Then he says he has something for me too!
At this point, I had not even thought about valentine’s gifts. I felt really bad. However on Friday I went to Hobby Lobby with a friend. I saw a picture, rather large actually, of old cars. dh loves old cars! My friend said, “John would LOVE that!” at the exact time I was thinking it. It was on sale for 50% off which put it in my budget. When I saw it, before knowing the price, I thought, “how can I NOT get that for John?” LOL I was so glad it was ½ off because I would have fretted over getting it at regular price.
Anyway, on Valentine’s evening when dh got home I gave his picture to him and he loved it. I got dd a dvd of a movie she’d been wanting and we all watched it after supper. It turned out to be a wonderful day after all.
Have a “transfer” set up and move the money out of checking into savings and when the bill is due, “move” the money out of the savings account. It doesn’t have to be a real account as long as you are deducting the money from your main checking account.
I have our income entered and have figured out how to include or exclude certain categories.
The questions I have is that I have a “Master” budget in excel that I would start the month out with.
Example. I like to budget $150.00 each month for Electricity. Does not always run that amount, but at one time, it did and I would rather have excess to apply to our goal that month, then to need to pull money from our goal.
I make monthly transfers into sinking funds in our savings account. Is there a way track those sinking funds balances. I have 4 sinking funds that make up our savings account balance. I make one transfer per month for the total that I would like to put in those 4 sinking funds.
Is there a way to do this in quicken?
we have been having extreme cold weather and what is considered a lot of snow for ne OK. I have spent the time working hard in the office and other hot spots of the house trying to reduce our clutter even more than we already have. Made great headway because who wants to go outside when it is bitter cold.
However, by the time dh took vacation time Thursday and Friday to use it before he loses it the weather in typical Oklahoma fashion started to turn. I believe it hit 70 yesterday. Cabin fever set in quickly on us. The sun was shining, the air was warm, although the wind made it too risky to burn trash or brush. So we had us a grand 4 day weekend.
Thursday dh and I were “lazy” around the house, doing research, opening the curtains to let the sunshine in, minor household tidy up and a little firewood cutting.
Friday was Valentine’s Day and we celebrated by taking Jellybean back to the vet to get his stitches out. He was one happy kitty to get those gone and get back home to his breakfast. Once we dropped him off back at the house we went out and spent money from best online payday GSHloans in true DR fashion. Meaning getting what we needed/wanted for as little as possible.
Our family back-up drive that we store EVERYTHING on got fried during the winter storms and dh wanted to get everything backed up again on a new drive before we had a major computer malfunction or something. So being the tightwads we are we grabbed up our cash back certificates from recycling ink cartridges, a $10 off coupon we had from Staples and with sale ad brought up on our phone when to Staples. We originally thought about getting a 1 terrabyte, but we couldn’t use the $10 off coupon on it, where if we went with the 2 terrabyte we would have twice the storage capacity—and yes we do store that much stuff around here—for $14 more and use the $10 coupon. So we opted for the 2 terrabyte. We were glad we did because guess what, they were out of it. But the store manager offered us a much higher valued (both in price and by dh’s preferences) 2 terrabyte with a 1 year longer warranty than the one we were looking at for the same price as the cheaper on sale one. So we came home with a better piece of equipment with twice the storage at far less than the original on sale price of the one we went after. I told dh Happy Valentine’s Day.
Then he said, “I know of a sale you don’t.” and took me to Michael’s where the cartridges I use for my cricut machine were on ½ price. He handed me cash and said “ Happy Valentine’s Day pick out what you want.” He had been saving blow money to do just such a surprise. I got 4 cartridges and am tickled silly.
Ds met us for a coupon using lunch, then we did grocery shopping (read on sale and with coupons) and headed home. Once home it was still daylight and warm, so we worked outside just a wee bit to do some minor firewood pick-up.
Saturday I spent pretty much inside out of the wind—I hate wind–and finished off one large storage bin of paperwork, culling enough paperwork out of it that what remained fits easily in 2 gallon Ziplocs while it waits to be scanned and stored. The guys cut and stacked firewood.
During rest breaks we did list making for the trips we are hoping to take this year. Yes I said trips, as in more than one.
Sunday we couldn’t take it any more and started working on the camper to prep it for the first trip in it sometime next month to do a combo celebration trip. The combo is demise of so many bills last year, unfortunately not all of them yet, our 41st wedding anniversary—since we didn’t get to do anything deeply special for our 40th, and getting our first ss checks. The trip will basically cost us just the fuel and maybe a couple of night’s camping fees and we all know I camp on the super cheap. Season passes for Silver Dollar City were part of our Christmas gifts to each other. They of course were purchased in the pre-season discount period and as senior passes so we got them near ½ price before it was all said and done. We also got several free passes due to our pre-season purchase to share with ds so he can go with us if he wants, or we may take dbil and his wife again. We’ve not done anything with them in a while. If her health will allow.
One small Murphy problem that I am fixing today did happen recently and we only discovered it yesterday. Ds pays the feed bill every other time since half of the animals are his. When he bought feed earlier this month he mentioned it was higher than it had been all winter. I thought he meant it had gone up slightly, a very common occurrence this time of year where critter feed is concerned, especially with the weather we’ve been having.
So when we had our monthly budget meeting yesterday I asked him how much the feed went up. DOUBLED!!! What? He said the feed bill had almost doubled for the same amount and brand of feed. I asked if he was certain. So I called the store to see what the current price was because I needed to make some huge decisions budget wise if that was going to be the normal price. Yes, I did call on Sunday. The family that runs the feed store are Seventh Day Adventists and are closed on Saturday, but are open on Sunday’s. I love them being open on Sunday’s it works so much better with our schedule then having to rush around on Saturday’s to get feed. Plus they have a much better quality feed for general $2-$5 per bag cheaper than the other local feed stores.
Jennifer told me their price was still the same price. So I asked ds to get the receipt and let’s see why it was doubled. Ummm, someone can’t do math. The receipt read “300 # @ $21 per 100# bal due $123.” By the time he found the receipt they were closed. I’ll be calling them again in a few minutes to give them the receipt number so they can see the error for themselves. This is a very nice honest family and the way we figure it ds has $60 coming back. The Millie Moment, aka: miracle, is ds had the receipt!
Dh went back to work today—drats, I sure wish he was already retired, and immediately put in for vacation time for that trip. In the meantime I will be spending much of today outside in 70+ temps prepping the camper some more.