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More Planned Budget Changes

July 15th, 2011 at 03:21 am

Beginning in August, this will be my new zero based budget:



My credit card debt is now all at 0.0% until January 2013. If I pay $128 per month, it will be paid in full December 2012. This is fine with me and I don't feel I need to pay it off any faster.

I have been gaining weight lately, so.... I joined another gym. No initiation fee, no contract, $25 per month. Also, I joined Nutrisystem. It costs $300 per month, so I have increased my food budget.

To help compensate for these new costs, I have cut my cash allowance by $40. Sometimes I save up cash from my allowance and treat myself to a mani or pedi. I have decided to stop those for now, and therefore can afford a cut.

I have been concerned that my traditional IRA isn't growing enough, so I will begin contributing $50 per month. That will help a little. Not a whole lot, but a little.

After all the dust from the above settles, I had a bit of cash to bump up my monthly savings.

So here it is, my re-re-re-re-rearrranged budget. Smile

Posted in Budgeting | 4 Comments »

4 Responses to “More Planned Budget Changes”

  1. uRabbit Says:
    July 15th, 2011 at 04:47 am 1310705226
    1310705226

    Is there something supposed to be there, or does it end at "zero based budget:"?

    Is this a funny? Heh

  2. Petunia 100 Says:
    July 15th, 2011 at 05:34 am 1310708067
    1310708067

    The saving advice post monster ate most of my post the first time, Rabbit. It did seem like a sarcastic observation as it was, didn't it?

  3. uRabbit Says:
    July 15th, 2011 at 03:00 pm 1310742034
    1310742034

    Haha! Oh, I see! Hehe yes it was most definitely a head scratcher!

    Love the new budget. That's what I do! Smile

  4. Jerry Says:
    July 15th, 2011 at 06:19 pm 1310753978
    1310753978

    It like how you are being proactive on your food and exercise goals, and I hope that they lead to excellent results for you. If you have some insurance that you are seeing the changes you want, then it is totally worth the investment.
    Good luck to you!
    Jerry

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