November 2009 Budget Recap

INCOME:
Moi: $391.86
DH: $2859.32
Benefits: $269.65
= $3520.83
+ Extra Income = $9631.85 (selling things, etc.)
= $13152.68

EXPENSES:
Rent = $1500/$1500
Groceries = $259.61/$200 (over $59.61)
Entertainment = $70.42/$86.42 (under $16)
Bank Fees = $12.95/$12.95
Hosting = $65.55/$70 (under $4.45)
Cable/Phone/Net/Cell = $223.58/$245 (under $21.42)
Hydro = $192.36/$160 *2months (over $32.36)
House Gas = $200.28/$110 *2months (over $90.28)
Water/Sewage = $63.26/$17 (over $46.26)
Car Payment = $287.13/$287.13
DH Car Payment = $200/$200
Car Insurance = $132.85/$132.85
DH Car Insurance = $120.36/$120.36
Misc. = $204.16/$128.14 (over $76.02)
Yearly Expenses Accnt. (dentist, haircuts, pet shots, etc.) = $205/$205
Car Gas = $87.02/$100 (under $12.98)
DH Dry Cleaning = $5.76/$20 (under $14.24)
DH Train Pass = $181/$181
Allowance = $25/$25
DH Allowance = $0/$25 (over $22.24)
Clothing = $514.58/$150 (over $422.15)
Emergency Fund = $100/$100

Total Spent = $4650.87/$4075.85 (over $575.02)
Total Income – Total Expenses = $8501.81

Water/Sewage: Yeaaaaah. I don’t even know. I am going to have to start monitoring my bills closer. I’ve never had to pay this bill before living in this house, so I don’t know what the norm is. I will have to research it to find out.

Misc: This is all me. I went a bit overboard in the home decor crap and bought a bunch of crap I didn’t need to buy (not all at once, anyway).

Clothing: This is higher than normal because there was a fantastic 40% off sale for shoes for Richard (he needed new ones for work and they are not cheap). He also bought a paid of work pants that were also at an incredible deal. So yeah, I’m going to blame this one on him.

It was not a very good month in terms of planning. We did alot of impluse spending which is definetely not something we should continue. It really messed with our budget. We are going to have to sit down together tonight to plan for next month. I also blame this budget flop on lack of communication between the two of us. One of us will spend in a category that is already maxed, just because we didn’t know the other person had already spent the money. So that is something we need to work on for December.

Speaking of next month, we plan to use the $8501.81 leftover from this month to pay off my car, buy a few things we need and put the rest in savings. I’m so glad for that extra money because once my car is paid off we will have an additional $288 a month to put towards something else (probably savings).