I don't know if others find it hard to plan spending for the year. I guess because I don't have a straight budget plan yet. I also am unsure how disciplined I want to be with "savings". I definitely want to save for things like property taxes and sink funds but the retirement?
So here's our basic budget and I need to figure out how to make things work.
-$1000 Property Taxes (Savings account)
-$725 Sink Fund
-$1500 Roth IRA
= $ 3839 leftover.
That should be enough but I am worried it's not. Mostly because it's supposed to cover our travel expenses and just overall expenses. If we spend $800/month groceries and $200 eating out that leaves $2800 for utilities, gas, etc. Right now it doesn't seem like we can get a handle on spending, but we'll have to see.
Sadly this month we are $298.40 Groceries, $26.69 eating out, $77.18 Alcohol, $120 Dog, $759 Travel, $45 gas, $557 utilities, $55 Home Depot, $35 personal care, $6.60 Auto, $77.13 Home Stuff, $112 Gifts, $180 services, $9.61 Misc, $154 Amazon (sound channel), $168 kids, $99.15 Clothing (will return 1-2 jeans) = $2781 to date for the month.
We plan on going out to brunch on Sunday with friends so there is that. Also we do have t osome shopping more for groceries. I'm hoping to have many NSD the rest of the month.