Time for a New (and Improved) Budget
Thursday, March 21, 2013
Okay, some of you know I will be going back to being a stay at home mom in a couple months which I am BEYOND THRILLED about!
Well, with that change comes an opportunity to evaluate our finances and make sure we're handling them wisely. I can see that I've been careless from time to time about sticking to our budget, but that's a luxury I can't afford once I make the big leap back home. It's frustrating as I seek to be a good steward of all God's entrusted to me, that I don't often enough exercise self-control...it's eerily similar to weight loss, isn't it? So I've been trying to organize things better (part of my BL challenge).
What I've learned is that..
-With some better meal planning we can get the grocery budget under better control.
-We will have to cut back to eating out as a family to only 1 time a month.
-Yes, I do indeed think the kids' sports/activities are non-negotiable parts of the budget.
-We have to plan for all our irregular expenses (thanks, Mary Hunt) or they will screw up our monthly budget every time. It's so hard to think long term sometimes when you just want some debts gone ASAP.
I think we've come up with a good workable budget that thinks long-term. DH helped me tweak it once I had the "rough draft" done. I'm sure it will need to be tweaked further once we actually implement it (hopefully in May) but it feels good to have a plan. I'm convinced once I'm home full time again (and with a LOT of help from God), I will be able to be even more thrifty and find more ways to use what we have wisely as well as getting rid of all our excess.