Hey there! It's Stephanie from SixFiguresUnder.com. Every month we make our
personal finances public in hopes of inspiring you to get your finances in
order and to help show you how to do it. We are already five, almost six, days into
June so I've already got June all budgeted out but I want to show you what
we did in May, well how we spent our money in May. We live on last month's
income, so that means the money that we spent in May was all earned in April.
During April we just set all the money that we earned aside and then at the
beginning of May that amount was up here at the top of the budget and then we
assigned each of those dollars to our different budget categories. So this
column is the amount we budgeted. This column is the amount we actually spent
And this column is the balance. So some of the categories we change the budgeted
amount at the end of the month to zero out these categories. For example
electricity. We start the month with 300 but we only actually our bill was only
289.99 so then I zeroed this out instead of saving the couple of dollars
there I just changed the budgeted amount. Other areas in the budget down in the
sinking funds we just let that money collect that we that we don't use that
month it just adds up. So let's go up to the top. The first thing we pay each
month is tithing. That's based on what we earned in April. We pay a 10% tithe on
that income. Have a fast offering each month. Our monthly bills are pretty
straightforward, pretty much the same every month. Car insurance for our two
older cars 168 a month. Just thirteen dollars for my cell phone with Republic
Wireless the plan I'm on (which isn't offered right now) is
called Republic Refund so I get refunded for the data that I don't use. But even
if I use my full, what is it, half a gigabyte it's
17.50 month, so it's very very affordable. I'll leave a link below if
you want to check them out I definitely recommend them. Our mortgage we
refinanced a couple months ago, I talked about that last month, brings our
mortgage to 3200 a month and we are an extra month ahead on this so we put the
3200 in there's already 3200 in there so there's still another 3200 remaining. So we
always want to be an extra month ahead on our mortgage just to be safe
Internet fifty bucks a month. Like I said electricity we usually set it at 300 and
then use it below, though I'm worried that in the summer it's gonna be a
little bit more. Our home phone through OOma, I'll put a link to that in the
description too. That's just 4.35 a month. My husband works from home several
days a week and so it's nice to have that. It's not really a landline it's through
the computer, through the internet.
Trash is every other month so this is half of what the bill is. Water same
thing comes every other month. It's about ninety dollars every other month.Now our
everyday expenses these ones are much more variable than those regular monthly
bills. Our groceries we usually set at $400 a month for our family of seven
Back when we were paying off debt we had it at 300 but we kind of bump that up
lately. If you watched my video or read my blog post at the beginning of the
month I showed our monthly grocery haul which we spent 90% of our grocery budget
in that haul. We spent three hundred and sixty dollars so that last $40 I
spent later in the month and then we went over the last couple days a month
we went over the budget but that's okay. Fuel we've had this at 400 but the
prices keep going up and we keep driving. My husband commutes to downtown about an
hour or a little bit more every, let's see,
three days a week. So two hours of driving three days a week so that was
464. Clothing, what did we get? I got a new swimsuit. I got a couple pairs of shorts
from the thrift store and I got a new pair of running shoes for my husband and
a couple of other little things here and there.
Household 192. If you follow me on instagram you've seen me gush about my
new laundry baskets I'm so excited to have eight matching sturdy laundry
baskets that I can sort all the family's clothes into. I got those at Walmart. The
set of four was less than 16 dollars for this. I got two sets of four. Let's see
also in the laundry department I got some Purex laundry detergent which is
the kind I usually buy but at Walmart they had the coupons on it that were "get
three dollars off of two" and then there's an Ibotta rebate for $2 off
or $2 rebate on each bottle and so I got a really great deal and that that I
bought an offer after I used it the first time came back again and I went
and Walmart still had those peelie coupons right on the bottles and so I did it
again. I did it three times so we're stocked up for a while on laundry
detergent. If you haven't tried the ibotta
app yet I'll leave a link in the description and that will give you a $10
bonus after you redeem your first rebate. Also in the household category I got
some carpet cleaner solution. I'm trying out a new kind and oh I got some some
new cloth diapers to replace some that we've had for I don't know six years
that we're getting kind of leaky and not working as well so we got a couple of
new or six new cloth diapers. In the fun category we got a pool pass at the local
pool. My husband and I also had a little date night where we got burgers at
in-n-out and we got ice cream. We also got ice cream for the kids one time.
Animals-- this is really low for us this is just
for like a 45 pound bag of cat food. We have plenty of chicken food because we
bought it a couple months ago when it was on sale for a really good price. Kids
activities-- this is for a gift for my son's wrestling coach this is more than
I would normally spend on a gift on a teacher gift/coach gift but his
wrestling coach, we didn't pay anything for him to do this program and
the coach it's all volunteer and anyway so we at Sam's Club spent $40 to buy a
$50 gift card to Coldstone so got that for him so he can go out with his family
Periodic expenses. These are our sinking funds so we put $300 in toward car
repair but we spent eight hundred and forty-one dollars. My husband got it
tune-up on his car and we also bought the parts so my husband could fix the
brakes on my car on the van, so that brings us pretty much to what we put in
this month were down to 300 total in that category. Medical would put in 100
have about 500 there. Dental put in 30 have 150. Registration smog put in 40. The
total of that category is 144 right now. Birthdays and gifts we put in 40. We
spent 45. That was for three teacher gifts for my kids teachers. Christmas we
put in a hundred we have 500 in that category right now. Life insurance 70. If
we put in 70 every month we'll have the what we need when it is due. Home
projects-- we didn't budget any money toward this but we had a bunch that we
budgeted in past months. We bought a new living room ceiling fan to match one
that we got several months ago. So we have two living room ceiling fans in
there now that match and are nice! Let's see we put $200 toward our family
reunion that's coming up this summer so we can do fun things at the actual
reunion. $60 a month is how much we spend for allowance fur for older kids who get
allowance. It's a little bit tricky in implementation so it looks a little
confusing here because we do it in cash. It's the only category that we do in
cash and sometimes our kids buy things online and then pay us the cash and
anyway so it's a little tricky, messy looking here but $60 is how much we
spend on allowance. Emergency fund we put almost $1,600 toward our emergency fund
from our normal budget. We also put another thirty two hundred that came
from our rental. Now when we first started renting a year ago we put in
about five thousand dollars out of pocket toward our rental getting things
fixed up and everything and so we've just kept all of our rent money aside in
a separate account until now when we finally broke even and so we
put two thousand dollars left in that account just kind of as an emergency
fund for the rental and then we took thirty two hundred of that which we owe
to ourselves-- it's not income it's just paying ourselves back from what we paid
out of pocket toward the rental-- and we just put that straight toward the
emergency fund so you don't see that here because it was just transferred
between accounts it wasn't income that we budgeted. So the emergency fund is up
to nineteen thousand five hundred something. A hundred dollars a month is
what we put toward 529s for our four older kids. This retirement pension for
my husband comes straight out of his check so this doesn't ever even hit our
budget but I keep track of it here just for fun. We put 550 a month toward
my IRA and that will have it maxed out by the end of the year. We put 25% of my
blogging income aside for self-employment taxes and in the past
this has actually covered both my blogging business and my husband's law
firm, has covered the tax liability for those. Ninety dollars a month in for our
tax planning and preparation plan that we have with our tax guy and that pretty
well covers it. Oh this kids fun this is a "kids fun fund" and I don't usually
report this or talk about this because this is my kids money but most of it
comes from the OhmConnect program which is a program in California where you can
earn money for saving electricity they give you a couple of hours during the
week where you just try to use as little electricity as possible and then you
earn points for money and anyway I'll put a link to that in the comments below
so you can check it out if you're in let's see California or Texas or Toronto
I think. If you have any questions for me go ahead and leave them below. Obviously
I'm open to talking about this we're laying it all out on the table here so
feel free to ask don't be shy! I share a budget report update like this
every month so if you're interested in seeing more like this go ahead and
subscribe to my channel! Have a great day!
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