I now have a mortgage on the house we are in. I did some rearranging of cash and that bit me in the butt when the market crashed. But I am not going to worry about it until I hit 40. Who knows what will happen by then!
I am also buying a car sometime next year. I am just going to have to break down and do it. My current car is 12 years old and is wearing out everywhere so quickly.
Please note, in no way is this budget frugal at all. At this point, my mad dog frugal budgeting skills are missing. I haven't seen them all year! I do hope to trim some expenses and I will note those.
- Groceries 2000 - this is an increase over last year. Everything has gone up!
- Gas 1025 - Natalie's school is 15 minutes away. This has caused an increase in our gas usage.
- Natalie's Clothes 400 - I am not going to need this much. But this does include shoes and boy are kid shoes expensive! I have some pairs set aside but I know I will need 1 pair of white church leather sandals and a pair of size 11.5 (or was it 12?) tennis shoes. I have 4 rubbermaid totes of clothes I have bought for $1 at the local consignment store. Great brands like Gap & Gymbo. I have to pull it all out and see what is needed to complete outfits. I am really looking forward to the end of Jan clearance sales for winter clothes for next year!
- My Clothes 300 - my stuff is looking really rough. This is 3 pairs of jeans, 3 capris, some tshirts and a couple of hoodies. And a pair of shoes. Girl clothes are expensive too! I will be on the hunt for stuff for me at consignment too.
- Natalie's Birthday 100 - Her birthday is actually part of a vacation I have planned. And truthfully I am not sure she will get much of anything else. I am planning on one toy, them my BF and her BFF will give a gift on the trip. I might get her a giftcard where she can pick out a second item. This money will also need to cover a cake/cupcakes on site.
- Other Birthdays 150 - BF, Mom & DD's little friends.
- Natalie's Christmas 400 - this is a big number. I am assuming she will get a doll bed to go with 2011's doll. And those stinkin beds are expensive.
- Other Christmas 300 - The bulk of this is for the BF and my Mom.
- Cats 720 - sigh. Most of this is for the strays outside. I am a sucker. They are nice cats but I really wish they'd go away.
- Bath 300 - This number seems so low for a year. I guess we will see.
- Vacations 1400 - last year's number was 5 or 6K. I have two trips planned for 2012. DD is starting real school and can't miss days. So we have something in Jan then something else at the end of May.
- Dental Work 1000 - I have a cracked tooth and need a crown. It was cheaper for me to pay for the crown and cleanings than it was to have dental insurance and pay copays. So this sounds dumb, but I totally forgot my company gives me 1K as a bribe for having a high deductible health plan. I will use this money for my tooth.
- Mad Money 575 - $10 a week plus tax. This will be hard for me.
- House Taxes, Insurance, Mortgage 5310
- Car Insurance 510 (number based on new car)
- Cable Modem 240
- SS & Medicare 3700
- medical extra 2200 - I am losing my distance vision and have to have laser eye surgery or I won't be able to wear contacts anymore. This won't fix it, but will buy me some time.
- Power, Water, Cell 2520
- CC Payment 720 (this is a promo)
- School lunches 130 - I pack most of her food, she eats on pizza day
- netflix 108
- Gymnastics 1000 (est)- DD is well on her way to competitive gymnastics. I am really excited but scared about the $! Uniforms, extra lessons travel costs...around 4K. But it won't happen this year.
- Ballet 423 - plus a leo but I will buy that with clothing money. She will switch from the pink to a white uniform.
- Car 4800 - car payment.From the house sale, I have enough to buy a car. I just can't give up my security blanket. So I will finance a car, my credit union is 2% for new cars now. I haven't decided what I will buy and when exactly.
- 401K/IRA 15,000 12,800 (company does another 2200) (wanted to save 15K total this year including that contribution. Had to fix my math!)