I guess this is the day that I look forward to all that 2014 has to offer. So maybe yesterday was the day that I was supposed to do this but yesterday was Wicked Wednesday aka quiet day for hung over Sonya.
What do I hope for this year? Peace and prosperity for all of my loved one. And you are one of my loved one. Awwwwww, starting the year all mushy like, aren't I?
Here are a few things I'm working on.
I honestly, don't think that I can tweak the budget anymore. This is where I was last March....
1244 house payment
190 car insurance
175 electric and gas
95 garbage and water
400 gas for cars
This is where we are now.........
1284 house(our taxes went up AGAIN. Grrrr)
90 car insurance(the kids each pay $45 a month for a total of $180)
175 Gas and electric
125 garbage and water(the water went up again.)
200 cell(this is our only luxury and I'm sticking with it. The kids each pay $50 a month for their part. $300 total)
30 gym membership
500 food(I can't seem to get this lower no matter what I do)
400 gas for cars
I'm really quite happy with this. I would love to shave 10% off of this but it seem unrealistic especially with the area that we live in. Life is just expensive here. I did great getting the car insurance down but then I spent more on the cell phone. The water is crazy money now. We got a $300+ bill in December. The running joke around here is that everyone is going to wash their kids with the water from the sump pump.
The gym membership keeps Den happy and I don't think that I would get rid of it even if we really hit hard times. He is allowed to bring 2 people in on his pass so its more like 3 for the price of 1.
I am going to try to save more money. I'm starting on the 52 week challenge again. I'm sad that I didn't complete it last year but SO SO grateful that I had that money to do repairs on the cars.
I also set up a yearly budget for things like birthdays, car repairs, new glasses, car repairs, pool supplies, car repairs. I like to fund these funds and then use as little as possible. Things have changed over the years but I try to get about $8000 in this fund. This was single-handedly the one thing that has kept us out of credit card debt. Will we use that much money-I HOPE NOT. But I'm really bulking up the car fund this year. Probably $2000 to $3000 in there. This is still so much cheaper than car payments.
I'm going to try to get more free things for Christmas by running more deals. I will also try to find more free money.
Overall, I'm really happy with our progress. We don't have a lot of debt only the house payment. I'm grateful to my past self for working so hard getting us to this point. And I hope that I continue to say, "thank you Sonya of the past."
Is there room for improvement? Yes, always. I'm a work in progress.
On a personal note, I would like to get my latest book edited and out. It takes forever to finish one of these damned things. But 530 pages would take anyone a while to finish. It's ok to take your time, Sonya. I seem to have more patience for others than I do myself.
DJ will be going away to college this year so there will be many changes for us. Anna is getting her degree in education so it takes 4 years to get the degree and then they have to spend one semester in the classroom. She is also, talking about staying on for her masters. It looks like she will be able to get it for free. So I'm happy. I know that I talk a lot about what a pain in the ass they are but I am so proud of them. My greatest accomplishment in this life will be my children. I'm so blessed. Please remind me of this the next time they pull a stunt. Say like releasing a rottweiler in the house.
I truly hope that you stick with me for 2014. Knowing me it will be filled with lots of cuss words, hare-brained adventures, a book or two, and money saving tips.
Thank you for being my friend,