Thursday, November 1, 2007

November's budget

Well, here it is, my first post, baring my budget to the world:

Income: $1326.00

Rent: - $550.00
Bresnan (this is Cable/Internet/Phone package) - $120.00
Groceries - $200.00
Gas - $50.00
Shelby's Cigs (please read below) - $90.00
Entertainment (read below) - $60.00
Date nights/dinners out - $30.00
Pets - $10.00
Car registration (R was just given a 93 Geo Metro from his brother, gotta get it titled and tagged for this state) - $100.00
Christmas (in case of yarn shortage) - $50.00
Shelby's Visa - $66.00

Ok, I know the first thing that will be under attack is the cigarettes. Yes, I know I need to quit. Yes, I know I'd be out of debt faster if I did. I am currently checking to find out if the pharmacy I use is carrying Chantix. If they are, my quit date will be 12/15/07. If they aren't, R and I are going to have to discuss how the prescription will be paid for. We do not have prescription coverage, and because of my tribal affiliation, I don't pay for medication, provided I'm willing to drive 45 miles to the pharmacy. Spending ten dollars in gas is way cheaper than paying full price for the medications I take.

Gaming - Both R and I play online role playing games (MMORPG's). He has 2 accounts for World of Warcraft, I have one account for World of Warcraft, and one account for Lord of the Rings Online. This is the entirety of our entertainment budget. We each spend essentially a dollar a day to get hours upon hours of enjoyment out of a game. Cheaper than going to the bar once a month, or going to a movie, plus, it's an activity we do together.

However, we've had a bit of a monkey wrench tossed at us. R's brother, whom lives with us, may be moving. There was a bit of a household blowout a few days ago, and he claims he's thinking about moving out. We'll see how much truth there is to that, as he's mentioned before that he wants to move out but hasn't yet. Extremely long story that I don't want to get into here, but that's where it is.

We'll see what happens, but I am already thinking of ways we can trim the budget back by $225.00, and quitting smoking is one of them. Also, we've discussed cutting the cable TV out of our package with Bresnan. Just having the cable internet and the phone will be approximately $85.00 a month. R's brother is the only one that truly watches the TV, so if he leaves, it will be gone as well, as it is truly a waste of money for R and I. Also, as funny as this sounds, the grocery budget will get cut back if he leaves. Before R's brother moved in, I was able to count on having leftovers after meals. Apparently the way his brother sees things, if the food is there, it must be eaten. I haven't had leftovers in this house since June of 06, at all. I can make a 13x9 pan of lasagna, and I might eat 1, 2 pieces tops. R eats 2. Now when I cut up this lasagna, there's about 12 decently sized pieces, and I have ZERO leftovers. Oink? If I can start having leftovers to work with, things will get easier in that department.

Oh, and there's no blow money in the budget, because R and I both have "jobs" and the money garnered from those "jobs" (he's a TA for a class, and I clean a house once a week) is our personal "blow" money. If R's brother leaves, that money will be budgeted as well, rather than just free floating.

So, we'll see what happens.


kelley said...

Sounds like you've got a plan and are working it. Way to go! Now you've made me feel guitly for not posting my Nov budget, I better get to work on that this afternoon.

Our Debt said...

I love the budget! as for the smoking do what I do, quit today! but just have one or two every once in a while with friends or if your out drinking etc, most of the time you can bum one from people, they don't mind. This way you don't have to buy any, you smoke less, and you don't have to quit!