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Budget Crisis!

April 14th, 2010 at 09:51 pm

So we've been chugging along this month feeling pretty good about our budget. We avoided buying groceries by eating what was left in the fridge until last weekend. We then went out last weekend and spent exactly $200.00 at Costco and then a bit at the grocery store. This was a big part of our budget, but now we are restocked on meats and other basic ingredients.

Then two nights ago we had a major birth control emergency. This led to a horrible worrying night and a trip to the pharmacy for Plan B. This ran us $54.36. Then in addition I had to buy another prescription this month to finish off my birth control. Thankfully I have two insurances right now through DH's work and my school. That cost another $30. Not a happy situation.

Then today I was going over our budget. As I have said it is divided into Savings, Billed Needs, Flexible Needs, Billed Wants, and Flexible Wants. Under Billed Wants I have added $300 a month to save for DH's Masters. Somehow I forgot to take this money away from our Flexible Wants.

So as of now thanks to all the problems, I have no more money budgeted for Needs and only $116.49 in Flexible Wants. This money will have to go towards Needs, especially since I have to go to Denver at the end of the month for a conference! Ugh! Looks like we will be going over budget and putting less towards the Down Payment and Frivolous Spending accounts to cover our monthly budget. That was supposed to be for trips this summer...guess not so much.

Posted in Budgeting | 5 Comments »

5 Responses to “Budget Crisis!”

  1. miz pat Says:
    April 14th, 2010 at 09:57 pm 1271282254
    1271282254

    Wow, and yet you know where you are at. In today's world, what you have there is a minor blip on budget planning. A budget crisis comes under the, "hubby decided to buy a motorcycle with the credit card" category. You are doing good.

  2. snshijuptr Says:
    April 14th, 2010 at 09:59 pm 1271282356
    1271282356

    I think if my hubby did that we would have a marriage problem Wink

  3. miz pat Says:
    April 14th, 2010 at 09:59 pm 1271282387
    1271282387

    Wow, and yet you know where you are at. In today's world, what you have there is a minor blip on budget planning. A budget crisis comes under the, "hubby decided to buy a motorcycle with the credit card" category. You are doing good! And I bet you'll be able to have some kind of vacation too.

  4. ceejay74 Says:
    April 14th, 2010 at 11:31 pm 1271287906
    1271287906

    Crisis averted! LOL.

    I notice you say you have two insurances. I think with some plans you're ineligible if you have coverage somewhere else, so you may want to look into this to make sure they don't cancel each other out. Why you can't have two and choose which to use whenever, I don't know, since it would save both cos. money in the long run. But please make sure this isn't the case.

  5. Personal Finance Fleur Says:
    August 31st, 2010 at 03:16 am 1283224570
    1283224570

    Supervising one's personal finances is very tough and which I really hate about but thanks to these helpful comments, I think I'm having a good idea in dealing my own problems about finances as well.

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