I’ve never really done a budget before, and don’t really know where to start. I keep my bank ledger in excel. So, I went through and assigned categoriesto everything for the past 4 months. Trying to see where my money goes. Here’s what I’ve come up with so far….
Hopefully you can read this. Each category has the Category name, 4 month total, monthly average. A few categories have some further explanation out next to them.
(I’m bad about using the ATM for cash, then not tracking where the cash goes)
(I don’t think a single cent of this went towards the actual balances, it was interest, late fee, or over limit)
(I desperately need to use this membership, and I love going..but I can’t seem to stay healthy enough to go very often)
(includes nights out with friends, which doesn’t happen often, also books bought)
(two nieces & one nephew – birthday parties)
(ok..this catagory is a jumble of groceries, household items, pet supplies, gardening stuff, books, office supplies, etc…anything that didn’t fit somewhere else. I really need to break this out and see what the heck I’m spending so much on. No more trips to Wal-Mart!)
(prescriptions eat me alive. I’m going to check into our mail order program through work, and see if it would save me any money)
(a lot of the pet stuff is under the groceries/household catagory)
(I’m thinking of getting rid of my land line, and just going with a decent cellular plan)
(this includes sewer and trash)
(oil changes, registration sticker)
Bank Svc Chg
(had 1 overdraft fee)