Sunday, September 27, 2009


We are getting ready to write out our October budget and it will look a little bit different. Some things we will continue to do the same. We are not adding in an eating out budget - that will have to come from our fun money or grocery money. But after reading The Financial Peace Planner (that I snatched at a used bookstore for $1 - love it!), I am realizing that we don't need to have quite the "bare bones" approach that we did this month. It was a good exercise for me and I don't regret it. I learned a lot about myself and how I overspend without realizing it. It was also good to realize that yes, every month is different and every month needs a new budget.

So this month the budget will include the membership for Sam's and some household things that really aren't part of our grocery money, like ink and paper. Our goal is still to build up our emergency fund so anything extra goes there. My hope is that by January, we will have our emergency fund built up and be able to start saving up for a down payment. It looks possible on paper but life doesn't always follow what's written on paper. Regardless of what happens, I'm happy we have a plan and thrilled to be moving in the right direction. It's also easier to sleep at night knowing we're not going to do anything to jeopardize our financial security.

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