Living Simply with a Handful and Quietness

Frugalness, Simple Living and thoughts about Christ.

Budget 101! September 8, 2008

Filed under: Uncategorized — handfulofquietness @ 4:13 pm

We’re big fans of Dave Ramsey, so we do the cash budget. We also do a 0based budget, and I typically like to do it on just a simple notebook paper.  I talked to my cousin, who is a CPA, and he gave me some tips on how to calculate hopefully what we’ll be bringing home. It’s not exact, and we’ll only budget for 40 hours.

Tithing: $160

Gifts & Offerings: $62 split 3 ways

Phone/Internet: $85 (looking for ways to decrease this)

Cell Phones: $25

Car Gas: $175

Clothing: $20

Utilities (includes garbage, water & electric: $200

Groceries: $300

Newspaper: $11.70

sinking Funds, includes xmas, oil changes, copays, tax filing fee: $45

Blow Money: $80 split between DH & I

Entertainment: can’t budget further until our 1st check for real

Savings: any overtime money

That leaves us a little play room right now….obviously we cannot really figure it out exact until his first check comes. He leaves his current job 9/18, new begins 9/22. 🙂 YAY!

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