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January Budget Will Be Challanging

December 29th, 2010 at 05:03 am

I get paid on the 15th & last day of the month. I"ve always worked by budget as the 30th & the 15th so that the paycheck at the end of the month goes to the first 14 days of the following month.

For example, December 30th check will go for my January budget. I recently changed my 401k witholdings so my 12/30 check is a little less than what it was on the 15th. To top that off, my medical benefits increased by $6 and my Social Security withholdings will be going down (Woohoo) and I also changed my HSA withdraw amount by quite a bit. Given all these changes, I do not know exactly what my new paycheck amount will be on Jan 15th. Hard to make a budget.

PLUS - I still do not know what the roommate situation is. I plan on emailing her today to see if she can give me a heads up. She was out of town all Christmas week & went to her parents on Christmas Day & I haven't seen her since. I know that she is not working. I don't think she's found a new job. As she is planning to work in another state, I don't see her leaving until she gets a new job/place to stay, but I just don't know.

So in light of all the above, my January budget is all jacked up until I truly know what is going on with my paycheck & my roommate Smile

I plan on being SUPER frugal in January to cover any shortfall in income if the roomie leaves and it takes time to find a new one. I really do need to find a new one though.

So I will set my 12/30 budget, but will wait to set the 1/15 one until I see the new paycheck online about 5 days prior. SHould be fun!

6 Responses to “January Budget Will Be Challanging”

  1. CB in the City Says:

    I have the same problem. My next check will reflect a change in my medical plan -- but a raise will go into effect, so I just don't know. I, too, plan to be really frugal.

  2. Joan.of.the.Arch Says:

    Hope she isn't now using your place to store her stuff while she lives with parents. Yiii.

  3. creditcardfree Says:

    Any chance you can have two roommates for awhile? Just a thought as a way to cover for the current one that seems a little wishy washy!

  4. HouseHopeful Says:

    Unfortunately, there's no 3rd bedroom to rent, or that would be the perfect solution! She's paid through January 9th, so if her stuff is here until then, thats fine. After the 9th, she either pays me or the stuff is going to be moved.

  5. HouseHopeful Says:

    Lol - and I can do that, since she technically gave her notice in December. I, the landlord, expect her to be out unless she gives me other notice (I hope. I'd rather wait til Feb to look for a new roommate just due to my health issues. I haven't had the energy to do the super in depth cleaning I'd do before showing the house)

  6. Merilu Says:

    I had a friend who rented out all her bedrooms and slept on the couch for over a year to help with bills. It worked for her!

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