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Prelim Budget for 2013

December 14th, 2012 at 04:00 pm

I will have to adjust my income and amounts after the first of the year because I don't know how my paycheck will look with the increased insurance and taxes. Maybe I will get a raise to cover everything! Smile

I based this budget on my pay now working 40hrs. I have the giving category paid for till 04/13, assocation fees for 2013 funded and daycare paid until 09/13. Our medical category as of now is zero. We will have our normal check ups and Dr visits and our medicine is preventative.

I'm alloting myself $100 entertainment/blow money to catch any overage on other categories that I fall short.

I should be receiving an additional $1500/mth in child support but since it comes sparatically I do not count that into my budget.

*Envelope Category

Posted in | 4 Comments »

4 Responses to “Prelim Budget for 2013”

  1. North Georgia Gal Says:
    December 14th, 2012 at 04:38 pm 1355503137
    1355503137

    This is a nice format....easy to understand.

  2. Petunia 100 Says:
    December 14th, 2012 at 07:57 pm 1355515057
    1355515057

    Are you able to keep to your budget for groceries? $150 per month for an adult, a teen, and a little? That's impressive. Will you share some of your strategies? Do you garden? Extreme coupon? Make a menu plan?

  3. Jerry Says:
    December 17th, 2012 at 07:27 am 1355729236
    1355729236

    I like that format, too. When you say "zero medical" does that include insurance premiums, or is that simply deducted automatically so it doesn't lead you to worry about it as an expense? Or is it something that you include with house and car insurance?
    Jerry

  4. SecretarySaving Says:
    December 17th, 2012 at 05:54 pm 1355766876
    1355766876

    Petunia-I've been couponing for about 4 years now. I also make a menu. My DD1 will make herself a shake or grab a piece of toast and fruit while she's headed out to the door to the bus stop. She eats a tray lunch at school. DD2 eats a bfast and tray lunch at school. The YMCA provides breakfast every morning but its normally cereal or a poptart and she perfers warm food. My job has free food for the employees. I can grab a can of Progresso Soup, make a sandwich, etc. I only plan dinners and weekend. I'm not too fancy when it comes to cooking. I use the crockpot alot. My favorite cookbook is $5 Dinners by Erin Chase. Her breakfast and lunch cookbook is good too (I asked for that for Christmas). I upped the budget for 2013. This year I had been pulling out $50 every two weeks for groceries. I use the cash envelope system.

    Jerry-The insurance premiums are taken out of my check so the budget above is my net income after everything is taken out. I put zero medical because now the asthma and allergy medicine that I was paying for is now covered under preventative under the Obamacare. I might have a few "sick" Dr visits that aren't planned with my copay being $25oop but the extra $100 that I alloted will cover that.

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