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Home > Summer! Revamping budget ... again ... Short trip

Summer! Revamping budget ... again ... Short trip

May 27th, 2012 at 01:53 am

Yesterday was the last day of school. Yay! Big Grin Wah! Frown I am happy for the break, and the chance to get a lot of projects done in the library on my relaxed schedule (i.e. not at crack of morning), but I am going to miss the teachers who have left for other pastures. They mostly are the ones I hung around with and did things with this past year. Frown

One of the new hires seems like she might be someone I could get along with, so I am somewhat hopeful. (Although she won't be here til August.)

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Today at church we had a guest speaker. He was really good. One quote I especially liked was, "God does not push or pull people, he draws them in." I need to remember that when it comes to various people in my life.

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So ... I have decided to do my budget a little differently. I divided my categories into two sections - The MUSTS and The Fluctuators. Included in the MUSTS is a Car Payment category an EF category and a Roth category. I then created a "loan" of $10,000 for my car. Using my total savings, I "paid" off $2000 of the loan, then subtracted another $2000 (from summer school) and then finally divided the remaining $6000 into 14 payments. This way I will have my car (mostly) funded by September, 2013. (My goal is to purchase my next car in October - end of month/fiscal year - purchase last year's model.)

Then I changed my EF goal to $2500, subtracted the amount I have right now in my BOFA account, and divided the remainder by 6.

Next I figured out how much I'd need to send to my ROTH each month to have $1800 sent by December, and divided that by 6.

After allocating money to the other MUSTS, the remainder goes into an unbudgeted slush fund which will be used to fund the Fluctuators. At the end of each month (by the 2nd) half of anything left in the slush fund will go to the car payment category.

I am going to treat the car "loan" as a real loan (minus interest). If I *really* had a loan, I'd be throwing everything I had at it till it was paid off ... so I'm hoping that same strategy will work here. Smile

Will see. Big Grin

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I've bought two Groupons recently - one for a 2 hour horseback ride and one for a Trolley tour of ABQ. In total, they cost $26. My grandma when she learned of these purchases and that I was planning on doing it in one day, insisted on sending me money to make it an overnight stay and a relaxing trip.

So ... I need to call the horse ranch to make sure, but I am thinking of going out Thursday morning for the horseback ride, maybe take in a museum or see if I can find the ABC (Adventist Book Center which sells vege meat products), spend the night at a hotel, do the trolley ride Friday morning (late!) do a Costco run and come back home. My Grandma gave me enough money for a nice hotel AND a meal out, so I might do California Pizza Kitchen again. Smile While there I'll also probably stop at the Apple store and pick up a second battery charger for my phone (I have one, but think I better get a second one for the train trip.)

I think it'll make for a nice short vacation. Smile

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I saw Men in Black 3 on Friday with several of the outgoing teachers. It was awesome! Love me some Will Smith. Big Grin Big Grin I paid for one of the teachers tickets (we bought them online just in case of it being sold out like Hunger Games and Avengers were.) Discover is paying 5% on movies ... so I was more than happy to help her out. (She paid me back in cash later.)

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Tomorrow I am going to have a day of major house cleaning. Laundry, dishes, sweeping, scrubbing, etc. My house needs it badly, plus I invited a couple from church to dinner on Friday night!! (They had me over for lunch a couple Sabbaths ago.)

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Oh! I filled up on gas yesterday for only $3.52 gallon!! That was nearly $.20 cheaper than in T! Sweet!

8 Responses to “Summer! Revamping budget ... again ... Short trip”

  1. Swimgirl Says:
    1338085673

    So jealous of those gas prices! Wow! I'd be tempted to fill the bathtub! Smile

  2. boomeyers Says:
    1338092926

    I wanna see Will Smith too! :-)
    Have a nice get away!

  3. laura Says:
    1338116057


    How nice of your grandma to turn it into a trip!

  4. creditcardfree Says:
    1338122884

    Your new budget sounds like an excellent plan. I bet it will work too. I think I did something similar last year when we were saving some cash towards our truck.

  5. SicilyYoder Says:
    1338141487

    I wish I could go horseback riding. I love horses. Are you SDA? I was just curious because you mentioned the sundown Sabbath. The Trolley ride sounds good, too.

  6. SicilyYoder Says:
    1338141575

    I left the above post, so you can see HOW SLEEPY I am this morning:>) I was like, WOW! Another SDA buddy for Keeping it Frugal and I. I have to laugh. I did the Louisville EXPO and was exhausted because of all of the walking. I am doing it again tomorrow.

  7. Looking Forward Says:
    1338142742

    That sounds like a really fun getaway!

  8. FrugalTexan75 Says:
    1338143337

    Thanks everyone. Smile
    LOL Sicily - no worries, I've done the same thing myself before. Big Grin

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