Summer gatherings can blow a budget. baby showers, weddings, travel, graduations,etc.
How can I offset some of these cost to make things easier on my budget.
#1. When traveling be extremely aware of the cost of food. (Our family eats the breakfast the hotel when traveling , a snack for lunch that I packed from home and dinner with a coupon or a gift card for dinning out.)
#2. Try to have gathering with friends at outdoor venues make them pot luck if you have any say in the matter.
(This can cut the cost of events greatly.)
#3. Pull funds to purchase gifts , or try buying gifts ahead using coupons and deep discount sales etc. (Be very aware and wise with you gift budget)
#4.One of my favorite gifts for a wedding is to purchase a bottle of champagne and or wine, place a lovely note with it that the bottle is to be shared when you reach one year together.
#5. Be extremely mindful of all cash outflow at all times. (Watch the pennies and the dollars will take care of themselves)
Food and Travel are two very large expenses. (Get all the discounts you can, use coupons, don’t be afraid to tell friends and family you can not afford to do something that is way out of your budget)
Gross Income for Family of 2 $35,000.00
1. Tithe $3,500.00
(10 percent of the number above)
2. Taxes $7,350.00
(use last year’s tax forms as an estimate)
Net Spendable Income $24,150.00
(Gross Income minus Tithe and Taxes)
Have you Had the Really hard talks ?
Note: all percentages below are calculated on your Net Spendable Income amount.
3. Housing (36 percent) $8,694.00
4. Food (12 percent) $2,898.00
5. Auto (12 percent) $2,898.00
6. Insurance (5 percent) $1,207.50
7. Debts (5 percent) $1,207.50
8. Entertainment/
Recreation (6 percent) $1,449.00
9. Clothing (5 percent) $1,207.50
10. Savings (5 percent) $1,207.50
11. Medical/
Dental (4 percent) $966.00
12. Miscellaneous (5 percent) $1,207.50
13. Investments (5 percent) $1,207.50
14. School/Childcare/ Pet Care ??? (6 percent) _________
What do you do each and every week that is a frugal deed?
Reuse Plastic Bags?
Make your own Laundry Soap? Dishwasher soap? Antibacterial Hand Soap? Household Cleaners?
Use Cloth Napkins and Rags instead of Paper Towels?
Buy Gasoline using points or discount cents? Unload any item in the car that you do not need to tote around to get better gas mileage ? Make certain the vehicle is tuned up well so that it gets great gas mileage? Tires inflated right?
Use Coupons when dinning out? Cut back on expensive outings?
Use Frugal techniques when planning a vacation? (Bring some of your own food, travel close to home,shorter stays?)
Do you go about your week giving to others so that you are not wasting and making other folks lives better?
Yesterday we went to visit Parrot Mountain. Everything was perfect. The place is very easy to find, the signs are very visible and show you the way. Hubby and I are not big bird people but this place is amazing! The staff is great! They care about the guest and the experience the guest have while on the property!!! Everyone is so nice and the staff really care about the birds. We managed to feed some of the birds and had an awesome spring day walking the grounds of the gardens. If you get a chance to visit the Great Smoky Mountains, Make Certain To Take Time To Visit Parrot Mountain.
Are you meeting up with family and or friends this summer. Create a box of outgrown jeans and boots and hold a clothing swap at the vacation site. Next school year everyone will have new to them jeans and boots!
Recommended ReadingglossymoneyglossymoneyStaying On A Budget, Summer Parties,Get TogethersAre You ON A RESPOSIBLE BUDGET Are You Ready To BE Engaged?glossymoney
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We just added a webcam to share our great view of the Smoky Mountains we have from our balcony.
Surprisingly, our new Cobbly Nob TN site was just chosen as an Earthcam Top 10 Webcam!
Just click the photo for the most recent update. Updated every 5 minutes.
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Recession Benefit
Be sure and check out some of the information on this page for cabin rentals and resorts – to find some amazing deals on lodging in this area – many with these kinds of views that we have here.
Maybe it is the economy, but I am amazed at how cheap some of these beautiful mountain cabins deals are going for – and it seems that every rental company is using cut throat pricing to fill empty cabins. Hope you can find a great deal – so you can come visit!
Best Sellers – Floor Care
Views From Cobbly Nob And Beyond
These are our personal images and photos that show the beauty of the view from our balcony in Cobbly Nob and the Great Smoky Mountains National Park and the Gatlinburg, Tennessee area.
Just click the Play button to watch - or click Big Picture to see a much larger slide show on a dedicated page at CobblyNobTN.com.
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