Tuesday, February 23, 2010

A little at a time

I've had to revamp the 2010 budget a bit. It needed a tweak. I figured that I should list it again just to keep me on track. It's like you are my parole officers.
This is the before.....

Car Fund $800

Pool Fund $250
Flowers & Garden $200
School Registrations $200
Vet Fund $125
School supplies $200
School picture $200
Christmas $1700
Dr, ER & dentist $200
Glasses and contacts $700
Car stickers $240
WI fee $65
Bdays $500
All other holidays $350
Tax Prep. $25
Clothes $125
Haircuts $100
4th July fund $75
Thanksgiving $100
House Fund $200
Anna's teeth $2000
Kids Graduation $200
For $8555.00
And this is the updated one. Every year it seems we get the majority of the money in the beginning of the year and then it dwindles after that. The green is what has been paid.
Anna's Teeth $1500
B-days $500
All other holidays $350
Car Stickers $300
WI Fee $65
taxes $25
glasses & contacts $700
Dr.ER&Dentist $200
Vet fund $125
garage door $750
flowers & garden $200
Pool fund $250
registration $200
school supplies $200
pictures $100
kids graduation $200
car fund $800
house fund $200
4th July $75
hair cuts $100
clothes $125
Thanksgiving $100
Xmas $1700

Total $8765
I'm still pretty sure that I can shave a bit off of it. I'll keep you posted and thank you for keeping me in line!
Thanks for coming to see me,


A.Marie said...

You are so good with this...I am going to tweak my budget today also! :)

SonyaAnn said...

A.Marie-Are you going to post it?
Thanks for coming to see me!

McVal said...

Wow! You're good... I'd need to mix in about $2000 for misc and unexplained expenses...

SonyaAnn said...

McVal-Like what? This is everything that I could think of. Before I did this we had a bunch of credit card debt, now that I set money aside for things like this, we have been able to pay off our credit card every month. These were the things that I never planned for that we keeping us in debt. This has helped a ton!
Thanks for coming to see me.

Frances said...

Well, we already know you are shaving your Christmas expenses.

How many birthdays does $500 cover. Do you really need to spend that much?

And what about glasses/contacts? Do you have vision insurance? Have you shopped around to see if you can get a cheaper price. I know you don't want to skimp on glasses, but you can get find contacts with a broad range of prices. Just a thought on that.

Will the school registration and supply costs go down when Anna graduates?

SonyaAnn said...

Frances-$500 covers 17 people. $150 of it is just for the four of us. We have a huge family. Did you ever see my big fat greek wedding? The one scene where they plow over the girl to get to her boyfriend. That would be how it felt when I met all of Den's family. It was overwhelming.
We do not have vision. But the best I have found so far is Walmart. They give me a 10% discount on frames. I haven't looked into vision insurance. Do you think it would be worth it? my in-laws buy the kids their glasses. So we just buy for us. God bless my in-laws.
I'm what you would call blind without my glasses so I'm afraid to skimp on them.
And I don't think that our costs will go down on supplies when she goes to school. Or will they? You would know better than anyone.
And since I'm in the gathering mode for Anna, is there anything that you can think of that she will need? I would like to have a list going. It's kind of my theme song(Lists) isn't it? I figure laundry soap and stuff, a first aid kit, anything else. Sheets, towels, mattress cover........
What would I do without you?

Beth said...

Can you believe I took care of two people on less than $7,000 last year. Yep. Of course I would not have been able to do it with food stamps (lots of home cooked meals), my rent being subsidized by the Section 8 program, driving a 15 year-old-paid-for-slowly-falling-apart-gas-guzzling- car, shopping for clothes & household items at Goodwill, thrift stores, clearance sales, and yard sales, and basically staying at home.

What helps me get through each day (and it truly is one day at a time in little world right now) is knowing life won't always be this way. I'm very blessed because I know there are so many other people out there who have so much less.

SonyaAnn said...

Beth-I'm so proud of you. You don't have it easy. Between being frugal and doing what is right by your child, you will accomplish great things. I promise.
And you are so far ahead of many because you are going through difficult times and still have perspective enough to find things to be thankful for.
If you ever need me, I'm here for you!

Frances said...

SonyaAnn, with that huge family, I guess your gift budget is pretty good. LOL!

Truthfully, I don't know what supplies for college cost, as I never paid for them. Sam has always taken care of all of her college costs with her financial aid. When she went to college, even though she lived at home the first year, she decided she was adult enough to take care of her stuff. LOL!

As for what you need to have ready for Anna when she goes to school, I can sure help with that. I forget where she will be living, in a dorm or off campus?

Whereever it is, so things that she will definitely need that you can start collecting are: 1) first aid kit that includes everything she MIGHT need: pain reliever, alcohol, peroxide, bandaids, gauze, tape, scissors, antibiotic ointment, cold meds and whatever else you can think of. You never know what you might need and it is best to be ready when you need it.

2)sewing kit with scissors, needles, assorted threads, pins, etc. (I can sew and was quite popular in the dorm. LOL!)

3)basic tool kit. When I went to college, Dad gave me a hammer, phillips and flathead screwdrivers and some nails. This also made me very popular in the dorm as a lot of girls' families did not think of this. LOL!

Definitely laundry stuff, including some rolls of quarters if she will use pay machines.

How is that for starters? LOL!

Maybe you can write a post and we can all add to your list.

Frances said...

Oh, and as for glasses, I know what you mean. I am as blind as a bat and have been fortunate to have good vision insurance for years. It is well worth it for me, but relatively inexpensive through work. Do you have a Sam's Club near you? I have heard that they have great prices on contacts....I don't remember if they have glasses. But you don't have to be a member to buy contacts there.

SonyaAnn said...

Frances-Oh oh oh, you are so smart!!! Yes, yes, yes, I'll write a post about it. Almost sounds like sex here!
Anna is not what you would call super organized. Love her dearly but she is a B type. She will run around at the last moment. That seems to work for her. Just not me. Den is like that but he won't admit to it. But he has gotten better with age. He went from being completely immature to an old in like year! Anywho, I'll be taking care of the gathering. But being the A type that I am, I wouldn't have it any other way!
She will be staying in a dorm.
Have I said before that I luv,luv, luv you. I hadn't thought of some of that. It will be so sweet, it will be like everyone is helping pack Anna off!

SonyaAnn said...

Frances-Looks like we are on at the some time!
I don't wear contacts but Den does. I was thinking that he could just go to the Walmart by us and get his eyes examined and then we could order it on line. His eyes haven't changed in years so we could just order a ton from one place and that should last him for a while. I'll search online for cheap contacts.
It is so easy to just purchase something without researching it. Thank you for all of the help.

slugmama said...

Ok....I am butting in here on the what to take to college topic. Yes, I am nosey.lol
Here is what I gathered for Matt last fall to go to college.
personal toiletries
laundry bag(more flexible than a basket), laundry detergent, 1 roll of quarters to get him started(I got those purex 3-in-1 sheets--they were almost free and they are super easy to use for the students, no measuring or lugging heavy bottles)
2 sets of sheets and pillowcases(find out from the school if the beds are reg. length or XL b/c XL beds need larger sheets), comforter
Now being a boy, Matt didn't have to coordinate colors or curtains or stuff w/his roomie. Girls on the other hand may want to 'decorate' their room so I'd hold off on getting things like rugs, curtains, etc. until Anna talks with her roommate.
Also don't buy dorm fridges, microwaves, tvs, etc. until Anna speaks with her roomie so they can figure out who is bringing which, since you don't want doubles of that stuff. Most schools let you know the size and sometimes the layout of the rooms so they can figure what will fit. Remember, dorm rooms are teeny tiny so don't plan to bring alot of stuff!
I'd recommend a plastic carrying thing with a handle to take 'poo/soap/tbrush/tpaste/etc. to and from the bathroom. With holes in the bottom for ventilation and for drying out is good too.
We got Matt a trunk too. It's good for locking up stuff like laptops so they don't get stolen when the kids leave the room unlocked....and they will!lol
A trunk can also make a good coffee table in the room.
2 things Matt wish we had gotten that we didn't until later....1-a mattress cover(like an egg crate type or a tempur-pedic)as the mattresses are thin and uncomfortable & 2-a small area rug, as the floors are tile or linoleum and quite cold.
They really don't need much and there is NO ROOM for it so be careful about loading her up with stuff...just the basics.
Just plan on giving her a little cash to get last minute stuff once she is there or plan on running to Walmart after you get her to school.lol

If EIU is anything like other schools, they will try to sell you a care package service(this company sends care packages at certain times of the year to your student for a price and that price is waaaay expensive for what they get in that box). This will be touted as a fundraiser for Student Activites or some other campus org. Don't buy into it. If you want her to get care packages, you put one together and send it. Every time you turn around the school or some part of it will try to get more money out of you.
Now if you can run the textbook gauntlet without going broke, you'll be all set!lol

SonyaAnn said...

slugmama-You aren't butting in!
It's funny that you wrote all of this. I was just finishing a post to go up on Thursday of stuff that Anna needs. I'll add this to it! The only way to get a complete list is for help from people that have been there and done that!
Thank you for taking care of us!

Frances said...

Slugmama, great idea on the carrier for toiletries. I didn't even think of that, as the dorm rooms I had a college shared a bathroom for each 2 rooms, so we were able to leave all our stuff in the bathroom.

SonyaAnn, I know what you mean about your kid being disorganized. Samantha is as smart as a whip, but can be a little scatterbrained. LOL!

SonyaAnn said...

Frances-Love her to death but GOD... she makes me nuts. She always pulls it off but it is a crazy rush at the last minute. I can't stand to live like that and either can DJ. Den and Anna live in crazy, scattered town!

Frances said...

Samantha actually plans well, and gets things together, like projects, early. Then she forgets to take them with her. LOL!

When she was living with us, I was always having to run something to school...that she had finished weeks before.

I hope she is better now, since I am not there to run stuff to her. LOL!

SonyaAnn said...

Frances-It is partly my fault. If I stop taking care of her, maybe she will take care of it. Or maybe not. Ugh, I just hope that she figures it out. Den said that having to be responsible for herself will cure what ails her.

Frances said...

SonyaAnn, Den is partially right. Samantha became much more responsible once she moved out and we weren't taking care of her. But she is still rather scatterbrained. I think it is genetic. But she must have gotten it from her "real" mom and not her dad. (I put the "real" there so no one would think she got it from me. LOL!)

Lynette S said...

Do you have an America's Best Contacts & Eyeglasses near you? My son told me about how some of his friends form school got 2 pair of glasses AND their exam for $70 and I said "nuh-uh". But sure enough....I checked it out and they did have them that cheap. If you have really bad vision (like mine) it probably wouldn't work because it's more to get the thin lenses, but both my kids need just a little correction, and I was well pleased. (And the extra pair is great insurance, lol!).

SonyaAnn said...

Frances-I know he is right but it is going to be a rough road for her. She is a good student but honestly I don't know how. She leaves everything or forgets something constantly. It takes a lot of patience to deal with her. And Den for that matter. They are so much alike!

SonyaAnn said...

Lynette S-I have gone there before but because I'm actually considered legally blind with my glasses, I sort of have to be careful. I'm such a pain. But I get real bad headaches if my glasses aren't perfect. And I have to pay a lot extra to get the sides filed down so they don't look so think. I'm falling apart.

Shelle said...

Great list...my dh does the budgeting...do you coupon? You gotta do the staples/officemax/target/walmart deals the month of July...everything is pennies. I usually get a few years worth of each item.

SonyaAnn said...

Shelle-I've done Walmart but not the others. Thank you, I'm going to need a ton of stuff with Anna going away and all.
Thank you for coming to see me!