Hi everyone! I hope your weekend went well. It’s August, which means it’s time for a review of how July’s budget went. I have to say, this is probably one of the better month’s we have had all year (or well, since moving at least). It’s quite a relief!
Except that it’s a little fleeting, because as you’ll see in my August budget preview, August has the potential of becoming a very expensive month! I suppose that’s better than being surprised by unknown expenses, but it hurts the wallet nonetheless. I’ll just have to hope for an uneventful autumn!
July Budget Review
Student Loans: Nothing too much out of the ordinary here. I paid a smidge extra last month, and R made his normal payment. He’s at the point where he’s kind of plugging along now, which can get tiring, but we’re committed!
Housing: Everything was pretty normal here. I was a little disappointed at the $88 we owed for electric, but I’m hoping that it will get lower and lower as we get closer to fall!
As for our cell phones, this is for both of our phones. R is with Virgin Mobile (and has a dumb phone) and pays more than I do at $38. I pay $31 with Republic Wireless (includes taxes). He’s thinking of making the switch at some point, but hasn’t wanted to pay the upfront cost yet.
Food: We did pretty well here, thanks in large part to my grandma. I had mentioned this a week or so ago, but while she was visiting with us, she took it upon herself to pay for some groceries. There’s really no use in trying to stop her as it will be an endless fight. I estimate she saved us about $40.
As for our restaurant budget, it mostly consisted of a few random things here and there, and the tip we insisted on helping my grandma with when we dined out with her.
Transportation: Yep, we went over in our gas budget, big time! Unfortunately, I had been planning on R not making the drive to my parent’s house, but in the end, he did. My grandma actually gave us $30 for gas (we tried to give that back unsuccessfully), but I didn’t account for it since we used our debit card for the purchase. I had wanted to use the $30 to take her out for dinner.
My car insurance payment was higher this month as I decided to pay off the premium. At such a small amount, it wasn’t worth it to pay the few dollars in fees for the next few months. Plus it’s nice not having to worry about it!
Misc: We once again got away with the cats, spending only $10 on litter at Target. That’s definitely going to change this month, though (I’ll be posting my August preview later this week). They haven’t been eating as much as they used to, which definitely helps, but I do wonder if something else is going on :/. The “kitten” hit her one year mark back in the Spring, and has stopped growing, so maybe that’s why.
Our stupid speeding ticket was paid for at the beginning of July. I hadn’t accounted for transaction fees, which is why we paid a little more than the original amount.
I gave cash as my wedding gift to my former coworker.
And no, R didn’t actually go through on buying his running shoes, so I’m sorry that the $15 is misleading! He had been eyeing a pull-up station that normally retails for $60 – $80, but while he was in the middle of deciding between the two, he actually found a used pull-up station for $15 at Habitat Restore! He emailed me asking if it was okay to buy it (I was still in NY), to which I said of course. For $15 you can’t really go wrong!
I didn’t actually go shopping on my trip either. I wanted to account for it JUST in case, but I ended up not going out with my mom and grandma the multiple times they went shopping. I decided it wasn’t worth it. There was nothing I truly needed out there, why be tempted?
Lastly, we didn’t need much in the area of personal care. What you see there was for a few travel size things I needed to purchase for the trip.
Overall, I think we did pretty well, but that’s also due to the fact our grocery bill wasn’t normal. Either way, I’m happy to save when we can save! You can look forward to my preview of what my budget for August is on Thursday.
How did your July go? Are you looking forward to August, or do you have some expenses coming up as well?