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Blech - Sickness is Here

September 24th, 2006 at 04:12 pm

This week stinks. Older son was sick (mild), then baby (worst). Then daddy, and today me. Plus side I didn't miss any work and hubby was well enough for me to sleep all day yesterday. Downside, weekend sucked. LOL.

Anyway, when I Was whining about my budget I didn't say the PLUS side. Unless I am missing something, which I may be, I found the $700 or so we need to set aside every month for insurance/property taxes. I had been settling on $300 and then I haven't even been able to do that for a while. The budget is a wonderful thing.

We also figured out a compromise on preschool. We are looking to switch ds to 2 full days a week. IT would save us $15/week, save money on gas (don't have to take him home at lunch) and goes to my other goal of focusing on maximizing money from my job. Right now I take him home at lunch 2 days a week and leave early one day since he has to be picked up by 5 on the full day. LEssening all of this nonsense to 2 days will be great, especially with crazy tax season coming up. 2 full days is just super cool enough it won't feel like less to him. HE LOVES the days he stays all day.

$60/month saved. + gas and time saved. (probably $10 gas per week).

We are clearing out the storage before we have to pay another month. $56/month saved.

Eating out - I am narrowing it down by $75/month for now. Not that we always spent $150. We never really eat out - don't even ask - it just seems to explode with a family of 4. Though I don't remember the last time we all 4 ate out together. ??? So I am not sure how it adds up so fast. I will be looking closer at it.

70 + 56 + 150 = $276/month saved.

I whittled down my misc. category to $200/month. It put our annual budget in to the positive numbers. Woot. Maybe +$100 for the year - LOL. But something. Implementing it will be another story. We'll see how it goes.

It seems silly for hubby to get a job when I can work overtime and get $33/hour. I am focusing on working OT 3 hours/week the rest of the year. That's $100/week. November is iffy but October & December the work wil be there. Downside is I get this paid randomly by bonuses, and if my boss feels I am just not productive he won't give it to me. For this part of the year though I should be working more, and I should get it in the form of Christmas bonus, which would be great.

Hubby is knee-deep in an unpaid video project right now, but he is looking into seasonal things all the same. Something temp to bring in a few bucks, help out the end of the year.

The downside of our budget is we really have no room for the unexpected. I guess that is why me working more and hubby working will pad our emergency fund a bit. I want to get that sucker UP.

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