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April 2016 Recap

April 30th, 2016 at 06:15 am

So here's a recap of our budget/spending:



We're in the red in a lot of categories, but overall we're under budget. I think that's partially because of the credit card thing - still not 100% sure how Mint handles those payments (it's wonky), but starting next month, we wont have a CC payment to worry about. So problem solved.

For most of the categories in the red, it's not by much. But I still want to be more diligent next month. A couple of unexpected things came up: one of my student loans became current again, so I had to start contributing to it again. Another came out of forebearance, so it'll be even higher next month. A goal for May is going to be consolidating at least my private student debt so I can try and secure a lower interest rate. I took a look and my biggest loan at the moment has a 10% rate. That's ridiculous. At this rate, I'll be paying them off forever.

Our "Misc" budgets (basically our individual allowances) were both over. DH decided to do a couple of online courses to get ready for his PhD program and opted to do the certificate tracks - $128 out of pocket. And I ordered new glasses - $102. Decided to try out another online retailer, and that $100 got me two pairs (I'm guessing one of them will go back). I usually spend about $160 for one pair, so it seemed worth it to try. Haven't had a new pair since 2013 and the screw is coming loose on one hinge. They've been on my "to buy" list for months. It's time.

Our restaurant budget was over by almost $30, and that's something I'd like to again be more diligent about. Though for the last couple of weeks we've been cooking almost every day...

***

May is going to be an interesting month. We've got a trip to Nashville planned to go look at apartments, which means extra gas, restaurant meals while we're down there. Both my sister and DH's sister are graduating, so there will be a couple of gifts. We've got our trip to Mexico at the end of the month. That shouldn't have too much extra cost associated, as it's an all-inclusive resort. I know DH wants to do a tour one day, but I do not. lol. I want to relax for 3 days.

It's also my birthday at the end of the month, so there will be some kind of gift or celebration there, I'm sure. We're doing dinner for my buddy's birthday at a fancy restaurant as well.

So with all of that extra stuff, the work will be trying to minimize everything else. Making sure our grocery budget is stretching and we're not eating at restaurants otherwise. I'll sit down tomorrow to actually map out the budget, but it's good to anticipate some things in the meantime.

***

Today is my first wedding of the year - one of only 6, and I'm happy to start getting them done. It's going to be a long day, and I'm hoping it goes by quickly.

***

Dietbet is going really well. I'm far past my bet goal weight, and nearing my actual goal weight of 155lbs. I've reached a number I haven't seen in a couple of years, and it's really exciting to see the progress. Hoping I can hit this goal before my birthday!!

That's about it for now. Hope you all have a great weekend!

2 Responses to “April 2016 Recap”

  1. snafu Says:

    Really terrific, easy to read and understand budget layout and recap. May is coming up as a fun, celebratory month of events [Nashville, 2 grads, 2 BD celebrations, Mexican resort] with lots of opportunities for spending . I wonder if a menu plan would reduce stress and make home based meals easier. Would you consider bringing picnic type foods to Nashville to hold costs and reduce the incredibly high amounts of fat and sugar hidden in restaurant foods? The hidden benefit would be dietbet figures.

  2. Joan.of.the.Arch Says:

    Sounds like a lot of pleasure ahead. Smile I have family in Nashville. They always have really good hole-in-the-wall restaurants to take me to.

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