I already wrapped up June before, but I always have to wait for the final credit card statement to make sure nothing got missed and where we stand...

Was a very good month income-wise.

Received some cash to spend on our cruise, and had a good interest month. Also received $250 in credit card rewards and $200 in other money from freelance work. Dh also received $75 for his focus group. Seriously, a few months like that, and it is not so far-fetched we could come up with his IRA contribution as well next year. IT certainly adds up! Doesn't even include the $60 we spent in free gift cards (more credit card rewards).

(Oh yeah - and the $15 we found on the ground we deposited in the bank as well!)

As far as expenses, I treated myself to some clothes, a big chunk which I have yet to return.

Gas was $350 but with the state farm insurance rebate to offset it our auto expenses, net, were $300 or right on budget - woohoo.

Diapers - I paid 2 months on the service so bigger than usual. A good choice since otherwise it was mostly a low-expense month.

Gifts - Fathers Day & Kids' birthday stuff too. Portion of one FDay gift was reimbursed cash from other family. Sometimes I report those as income in Quicken but I don't think I did in this case. So was not all our own cash outlay at least. But June can tend to be a pricey month as we prepare for the kids' birthday. We didn't do much this year, in contrast.

Groceries came in at $375, or $125 under budget. Granted we were gone for 5 days and granmda probably stocked up on some food for us while we were gone. BUT we only ate out once (ordered pizza) all month. All in all I have to say we had a stellar grocery month. Usually the times we don't eat out at all our grocery budget reflects it a bit. Instead it was $50-$75 lower than I expected it to be and the only reason dh has to run to the store today or tomorrow is for party stuff - we have plenty of food! How bizarre! I hope this keeps up!

Medical - just our insurance premiums. Probably a first for the year.

Misc. was a trip to the zoo, a toy ball, and a few used books for the kids. A meager misc. month since I usually budget more like $150 just for extras/unexpected, and usually we splurge it at the end of the month if nothing else comes up. But with our cruise we took the attitude no other splurging all month. Zoo was last minute and spontaneous, but cheap enough to keep us well under budget.

All of our utilities are fixed (& yes expensive - water/sewer is insane around here, etc.) But gas/electric is only $75 of it. Not a bad month at all. May can often get up to the 100s but it was quite mild so we only had a $50 electric bill. phew. We'll pay June's bill in July. Bracing myself for that one. We've hardly run the air or heat since February. Until now!

Well, that sums up June. With the cruise (compounded by last month's very unexpected car expense) we did not have money to save for June. But since we got a rebate on the insurance and significantly reduced premiums on dh's car I pulled money out of short-term savings and put it into long-term savings. When I get my auto insurance in the next month or 2 I will have to evaluate if I can pull out more or if I pulled 2 much. I assumed my premiums would go down $200 for the year... Which so far looks reasonable/low-ball.

In Conclusion, June was a GREAT month because:

1 - We found lots of sources of extra income
2 - NOTHING "unexpected" came up
3 - We splurged so much on our cruise we kept it very low key otherwise for the month

If every month looked like this I could max out both our IRAs easy peasy. But well, usually life happens! & we generally don't find so much side income in 1 month either. Though we could certainly work on it...