MONEY Monday, a third try at balancing and a visit to the Utilities….

Picture_Girl_Holding_Her_Piggy_Bank_and_Daydreaming_or_Deciding_What_to_Spend_the_Money_on_in_a_Stock_Photo_111104-035336-002001

It’s “MONEY MONDAY” again… if you are following this series, this is a step by step detail of how I am getting my budget under control – and how you can too!

Here was Step ONE

And Here was Step TWO

Both initial reviews had me realizing that my LEVEL 3 spending / “monthly, weekly, daily incidentals” are always WAY higher than I budget for… and in my case, I am talking WAY more!  I had to revamp my monthly budget to include a lot more items that I previously wasn’t counting (see the example in STEP 2) and even after  really trying to get a complete handle on it this week threw me for a curve yet again with a few little things adding up to BIG totals…  My daughter had not one – but 2 – field trips and each one cost a $20 spot and the kids had a school dance that was $10 each plus snack money… not to mention Lu needed something to wear cuz we all know you can’t wear something you already have….  I had to pay for our girl scout cookies and somehow my family managed to plow away 7 boxes in the past couple weeks… and my stupid key fob for my car quit working and I had to replace the battery, which mind you is NOT a $3 watch battery like I thought – and even though I completely redid my vehicle expense category, this was not something I ever thought of!  So $200 later, I am once again revisiting my budgeted expenses and revamping and realizing that the only answer is a sugar daddy I may also have to revisit my level 2 and even level 1 expenses to determine where I can draw the money from to make the Level 3 – monthly incidentals budget out.  This is where it gets very frustrating and I know for me, this is when I get sick of dealing with it and think if I ignore it will somehow fix itself…  WRONG!!! 

Because we have a very TIGHT budget (aka – live paycheck to paycheck) and I now can see why I am always “Robbing Peter to pay Paul”, I have to do one of 2 things:  either reduce my spending – somewhere… somehow…, or increase my income!  Increasing my income at this exact point in my life is not really possible so we definitely need to reduce our expenses! 

Looking at Level 2 expenses – all my monthly “BILLS”, I want to start with investigating all of my utility payments…  we have:

  • ·         Propane
  • ·         Electric
  • ·         Verizon (cellular and internet – UGH)
  • ·         Dish Network
  • ·         Also our vehicle Insurance

I am going to review each one of these expenses to see exactly what we are paying…  right off the bat I can tell you our VERIZON is outrageous and our DISH is useless….  I am thrilled with my insurance agent (HI MT) and I am more than happy that I locked in my propane this year.  So I will start with Verizon and Dish…  I’ll let you know how this goes!

Who’s playing along?  How are your LEVEL 2 expenses?

       

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About ourREALdeal...

Stepford wife and mother? Not hardly...

Posted on March 17, 2014, in Get Organized! and tagged , . Bookmark the permalink. 2 Comments.

  1. AT&T saved us and our business a ton of money! I also have a couple of other ideas for you so call me. BTW do you have any openings for your class left?

  2. PS Do you know that you pic says Shutterstock on it? LOL

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