Living on a Budget

In 2003, Tom and I went on a real budget.  I had been keeping track of our expenses since we'd been married: I had an idea about what we were spending, but we did not have a real budget, assigning every dollar to a category each month.  Being on a budget put us (Tom and me) on the "same page."  We had an answer to ,"Where does all our money go to each month?!"


Here are the categories we use to figure our our budget: 

Pay

Tithe

Allied Home Insurance

NWML- Life and Disability

USAA- Insurance rider

Allied Auto Insurance

Mortgage

Additional Mortgage

Scana Gas

Taxes—DeKalb Co.

College Savings

New Car

TV/phone/Internet

Cell

Electricity

Termites

Water

Car

Date Night

Clothes/Shoes

Date with Dad

Dining Out

Dry Cleaning

Film/Dev

Furniture

HsHold/Yard

HsHold repairs

King Green

Gasoline

Gifts

Giving above tithe

Grocery

School Lunch

School PTA/Misc

Haircuts

Kids

Marcy Misc.

Marta

Med

Newspapers

Ortho

Pest

Pool

Postage/Parking

Recreation

Vacation/camps

Washington, DC

Caroline's 10 yr old trip

Extracurricular/sports

Philmont

Soccer

Target

Tax Prep

Tom Misc

school fees/books

Xmas

Housekeeper

What's left over goes to savings.