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
Recreation (6 percent) $1,449.00
9. Clothing (5 percent) $1,207.50
10. Savings (5 percent) $1,207.50
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) _________
Tags: Spendable Income amount
, Spendable Income
, Gross Income
May is the time of year to get yourself some Awesome Patio Furniture!
Many folks are selling Patio Items on Craigslist because they have to move and they do not want the hassle of moving the Patio Items.
So Grab yourself a great deal on some Patio Items and check out the Grills as well.
Tags: Patio Furniture
, Patio Items
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?
What do you do each week that is Frugal??????
Tags: Cloth Napkins
, gas mileage
, household cleaners
, Dishwasher soap
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.
Tags: Parrot Mountain
Saving For Retirement is not something that Late 20′s and Early 30′s think of as often as they need to.
Fun when your 50 and 60 is related to how much you save when you are young.
So how much Fun do you want to keep having in life????
Savings of only $2,000
Continue reading Saving For Retirement At In your Late 20′s And Early 30′s
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
Tags: clothing swap
What Do You do with a used dryer sheet.
#1. Throw them in the washer with your towels , it makes them smell nice and they are fluffy!
#2. Put them on your Swiffter they do great clean up!
#3. Use them instead of a dust rag , dust clings to them.
Continue reading Ten Reuses Of A Dryer Sheet