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Moving Funds Around in my Budget

7 Responses to “Moving Funds Around in my Budget”

1. Apprentice Bliss Hunter Says:
   December 2nd, 2010 at 07:10 pm 1291317027
   1291317027
   Sounds great to me.. although you're not leaving much room for error. i.e. the budget looks tight to me - all the more impressive if you come in on target !

2. snafu Says:
   December 2nd, 2010 at 09:38 pm 1291325917
   1291325917
   Good on you for sticking to your plan to keep Christmas off the credit card and paying Cash. Bringing lunch is smarter for both your finances and your health. Restaurant foods have significant amounts of chemicals, salt MSG and chemicals I can't pronounce as extenders.
   
   I suggest keeping daily meds in a tube/container at the place you touch every morning, perhaps with your toothpaste or cell phone or the coffee you will make. Don't let yourself walk out the door if you haven't taken meds.
   
   How are you doing with finding a better paying job? Do you know that 85% of new jobs are never posted? the best jobs are referrals from friends and relatives. Let everyone you trust know you are seeking to move ahead, perhaps there are openings at their place of employment.
   
   If you wish to become better organized, there is a thread on that topic on the General Discussion forum

3. scottish girl Says:
   December 2nd, 2010 at 09:39 pm 1291325969
   1291325969
   Yay for a cash-only Christmas!!

4. Jerry Says:
   December 3rd, 2010 at 12:11 pm 1291378277
   1291378277
   Shifting around the cash to cover the bills is normal, I think, especially when you are working within tight parameters like this. Your medical expenses are nice and low, is that for insurance copays, or do you just not get sick much? We are planning to be very disciplined and lead our family through a cash-only Christmas, as well. Enjoy yours!
   Jerry

5. HouseHopeful Says:
   December 3rd, 2010 at 12:55 pm 1291380903
   1291380903
   The reason that my cash budget is so low is that I paid a bunch of medical bills already from this paycheck & the cash medical budget is to pay for 1 more medicine refill and a copay for a specialists appt. In the 2nd half of December, I will have more medical funds in my budget to cover the regular visit with my doctor.
   
   I have been hit with a lot of medical bills with this mystery illness and I'm working hard to pay cash instead of putting it on my credit card.

6. HouseHopeful Says:
   December 3rd, 2010 at 12:57 pm 1291381063
   1291381063
   Snafu, I should also add that when I pay my monthly 'bills', I include savings for yearly or quarterly expenses and normal savings. This is the only month that the budget is THAT tight. Because I already spent several hundred dollars on medical expenses and I am not including the rent I should be recieving in this budget. With that money included in the budget, I would normally have approximately $700 extra in my budget.

7. HouseHopeful Says:
   December 3rd, 2010 at 12:59 pm 1291381187
   1291381187
   Jerry - the medical expenses are for copays and meds because I ran out of my HSA money this year. Between thyroid surgery and my current myster illness (Which they can't seem to diagnose), I went WAY over the amount in my HSA. So for the last 2.5 months of the year, everything was cash. My insurance premiums are taken out of my check at payday

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