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Jan Zero Dollar Budget

January 6th, 2013 at 03:54 am

Here's this month's fully allocated spending plan:

Income:

Hubby's Job (after tax): $5271
Hubby's Hobby Income: $520*
My PT-WFH Job: $385*
Last Month's Extra (held for EF): $593
(*subject to change, though usually for the better!)

Total Monthly Income: $6769

Expenses:

Non-Fixed Expenses (i.e. the things we can control the most from month to month):
Groceries: $861 (striving for the USDA's moderate spending plan this month!)
Gasoline: $230
Misc: $700
Entertainment: $250
Gifts: $50
Emergency Fund*: $990
(*only this month since we need to restock it)

Fixed Expenses:
Mortgage/Insurance: $1509
Student Loan: $619
Utilities (water/sewer, gas, electric, etc): $342
Services (phone, computer backup, cable*, etc.: $386
(*reimbursed through hubby's company)
Leftover Leaf Cleanup Bill: $150
Auto Insurance: $73
Credit Cards (minimum payments): $299
Auto Loan: $198

Total Expenses: $6657

Difference (to be applied towards credit cards): $112

Here's to staying on track!

6 Responses to “Jan Zero Dollar Budget”

  1. Thrifty Ray Says:

    Good luck! You can do it!

  2. Amber Says:

    Just wondering, if you don't mind me asking but why is the grocery bill high?

  3. LuckyRobin Says:

    Amber, her grocery bill was $1200. Baby steps.

  4. Shiela Says:

    It looks good but $700 for Misc seems a lot. Can you itemise it more?

  5. Amber Says:

    Oh wow, this is great

  6. North Georgia Gal Says:

    Glad you have plan! It will help you stay on track!

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