Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

May Budget Round-Up

>> Tuesday, June 1, 2010

This is a good month. Not only are we under budget, but we're also down one more trash bag this month. Hopefully we can keep that up!

One big change, though...I was given a new responsibility at church - I'm now working with the youth, which means that I have to be at church on Wednesday nights as well as Sundays and will also be driving a lot for youth conferences, dances, camping trips, etc. Our church is 10 miles from our house, and our going there is non-negotiable (in case anyone was going to suggest switching churches), so I'm going to look for opportunities to carpool and other ways to keep my mileage down - like switching to a closer doctor and stores.

In case anyone is wondering how we did with the May extreme challenge - we did it!!! I turned on the A/C maybe four times: twice when it was just too hot to sleep and twice when we had company over. The heat is still off today, and we might be able to go longer - if I can convince my husband to quit closing the windows at night. (He says that the outdoor noise bothers him.)


Monthly Spending (budgeted amount) [year average]

  • Groceries: $623 ($650) [708.75]
  • Transportation: $167 ($150) [149.87]
  • Energy: $82 ($150) [151.45]
  • Utilities: $46 ($50) [44.96]
  • Entertainment/Miscellaneous: $365 ($400) [362.71]
  • Clothes: $0 (no set budget) [22.94]
  • TOTAL: $1,283 ($1,400) [$1417.52]

The Numbers:
  • Trash: 3 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 1 paper grocery sacks of paper
  • Miles Driven: 1012
  • Average daily electricity use: 21 kWh
  • Average daily water use: 122 gallons

Best of...

Next Month I'll Be...
  • reading Raising Financially Fit Kids
  • working on water use for The Conscious Shopper Challenge
  • buying nothing new for the June Extreme Challenge
  • taking some vacations!
____________________

You have hereby been challenged to go green in a year without going broke! Check out the last challenge, or view the whole list of Challengicious Mondays. Sign up for my RSS feed, follow me on Twitter, and join my "Go Green without Going Broke" group on Facebook!

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March Monthly Budget Round-Up

>> Tuesday, March 30, 2010


Last month I asked if these monthly budget round-ups have become redundant. Well, I decided to keep posting them simply because, as Downdoggin in MN pointed out in the comments of the last round-up, they do make me accountable.

So far this year, we've been high on groceries every month. I've been stocking up on a few things, so I'm hoping it will average out over the year. For example, I bought a 5-gallon bucket of Charlie's Soap, which will takes us three years to get through.

We were also high this month on transportation miles; my youngest had surgery two weeks ago, so we had to make several trips to the doctor and hospital. Unfortunately, I haven't switched to a closer pediatrician since we moved into our house last summer.

Here are the numbers:

Monthly Spending (budgeted amount) [year average]

  • Groceries: $711 ($650) [713.51]
  • Transportation: $149 ($150) [148.92]
  • Energy: $162 ($150) [155.31]
  • Utilities: $46 ($50) [44.9]
  • Entertainment/Miscellaneous: $383 ($400) [362.59]
  • Clothes: $0 (no set budget) [24.21]
  • TOTAL: $1,451 ($1,400) [$1425.46]

The Numbers:
  • Trash: 4 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Miles Driven: 951
  • Average daily electricity use: 34 kWh
  • Average daily water use: 122 gallons

Best of...

Next Month I'll Be...

Read more...

February Monthly Budget Round-Up

>> Thursday, March 4, 2010


I have a blogging addiction. I'll admit it.

In my head, there are hundreds of possible blog posts, but I have a limited amount of time to write them (and difficulty justifying the amount of time I spend online). And after last week's burnout, it's pretty clear to me that I need to put some limits on my blogging.

When I first started this blog, it was a challenge to myself to see if I could go green and still stay in our budget, so I started posting our monthly budget to keep myself honest and because I thought it would be useful to others to see how much we spend on things. Now a year later, I've proved to myself that I could go green without going broke, and it seems redundant to keep posting these numbers.

So here's my question to all of you readers. Is this information still useful? What if I did budget round-ups every other month or quarterly?

Thoughts? Input?

On to this month's numbers:

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $684.44 ($650)
  • Transportation: $132.17 ($150)
  • Energy: $149.83 ($150)
  • Utilities: $46.17 ($50)
  • Entertainment/Miscellaneous: $362.72 ($400)
  • Clothes: $45.74 (no set budget)
  • TOTAL: $1,421.07 ($1,400)

The Numbers:
  • Trash: 3 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Miles Driven: 745
  • Average daily electricity use: 33 kWh
  • Average daily water use: 122 gallons

Best of...

Next Month I'll Be...

Read more...

January Monthly Budget Round-Up

>> Friday, February 5, 2010

This is how we feel about snow around here.

Monthly Spending (budgeted amount in parentheses)
  • Groceries: $745.10 ($650)
  • Transportation: $165.61 ($150)
  • Energy: $154.11 ($150)
  • Utilities: $42.54 ($50)
  • Entertainment/Miscellaneous: $342.05 ($400)
  • Clothes: $26.91 (no set budget)
  • TOTAL: $1,476.32 ($1,400)

The Numbers:
  • Trash: 4 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Miles Driven: 798
  • Average daily electricity use: 26 kWh
  • Average daily water use: 122 gallons

Best of...

Next Month I'll Be...

Read more...

December Round-Up

>> Thursday, December 17, 2009

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $654.33 ($650)
  • Transportation: $107.49 ($150)
  • Energy: $79.10 ($150)
  • Utilities: $42.54 ($50)
  • Entertainment/Miscellaneous: $492.37 ($400)
  • Clothes: $0 (no set budget)
  • TOTAL: $1,375.83 ($1,400)

The Numbers:
  • Trash: 4 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Miles Driven: 697
  • Average daily electricity use: 21 kWh
  • Average daily water use: 122 gallons

Best of...

Next Month I'll Be...

Read more...

November Round-Up

>> Monday, November 23, 2009

I'm way over in a lot of categories here. Groceries because I stocked up on some things - hopefully, it will even out over the next few months. Transportation costs and mileage because I drove out to Chapel Hill to buy some local wheat. Entertainment/miscellaneous because it was my birthday and we've been sick. Trash because I had a purging episode - mostly through Craigslist, but some things went into the trash - and also because I was low on trash last month.

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $799.95 ($650)
  • Transportation: $175.07 ($150)
  • Energy: $90.33 ($150)
  • Utilities: $42.54 ($50)
  • Entertainment/Miscellaneous: $510.25 ($400)
  • Clothes: $0 (no set budget)
  • TOTAL: $1,618.14 ($1,400)

The Numbers:
  • Trash: 6 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Miles Driven: approx. 850 (someone pressed the mileage button, so I lost exact count)
  • Average daily electricity use: 22 kWh
  • Average daily water use: 122 gallons

Best of...

Next Month I'll Be...

Read more...

October Round-Up

>> Monday, October 19, 2009

We're under budget, but our entertainment/miscellaneous spending is still way high. I'm not sure what we bought, and I hate months like that...

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $606.13 ($650)
  • Transportation: $113.32 ($150)
  • Energy: $126.60 ($150)
  • Utilities: $42.54 ($50)
  • Entertainment/Miscellaneous: $508.70 ($400)
  • Clothes: $0 (no set budget)
  • TOTAL: $1,397.29 ($1,400)

The Numbers:
  • Trash: 3 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Miles Driven: 802
  • Average daily electricity use: 32 kWh
  • Average daily water use: 122 gallons

Best of...

Next Month I'll Be...

Read more...

September Round-Up

>> Monday, September 14, 2009

I wrote my first blog post on The Conscious Shopper on September 9, 2008, so I've been recording my monthly spending on this blog for a year now. We're way over this month - a visit from my older sister, lots of unexpected school expenses with First Son starting school this month, and new shoes for me - but we're still on target with our goals. Our monthly average for the year is $1,409.89 - more than our original budget of $1,300 but very close to our current budget of $1,400.

The main thing that I'm concerned about this month is how high our transportation expenses still are. With this house being so close to downtown, I had expected to be driving a lot less, but so far the amount we're spending on gas has stayed about the same (not good since I cut the transportation budget in half after we moved). Also, if you compare the amount we spent on gas to the number of miles we drove (listed in the "Numbers" section), you can see that we are getting really crummy gas mileage.

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $651.36 ($650)
  • Transportation: $150.55 ($150)
  • Energy: $125.59 ($150)
  • Utilities: $58.50 ($50)
  • Entertainment/Miscellaneous: $585.65 ($400)
  • Clothes: $62.90 (no set budget)
  • TOTAL: $1,634.55 ($1,400)

The Numbers:
  • Trash: 4 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Miles Driven: 778
  • Average daily electricity use: 32 kWh
  • Average daily water use: 111 gallons

Best of...

Next Month I'll Be...

Read more...

The Envelope System for Managing Money

>> Tuesday, September 1, 2009

When my husband and I got married, we were both still in college. He had a job in the computer lab on campus, and I arranged my schedule so I could go to school two days a week and substitute teach on the other three. We were struggling newlyweds, and I spent many stressful evenings trying to figure out how to make the numbers work. When I think back on those days, I'm amazed that we always (if barely) managed to get by.

Back then, the envelope system was one of the methods we used to keep our meager earnings in check. We estimated how much we would need for groceries, gas, and miscellaneous expenses, and we withdrew that amount in cash from the bank every month. The cash was divided up into envelopes - one for each category. When we needed to make a purchase, we would grab the appropriate envelope before heading to the store.

The point of the envelope system was to keep us from going over budget. We always paid in cash, and when we ran out of money, well, that was it. No more money.

Sounds like a smart idea, right? So why did we give it up?

After awhile, when money was a little less tight, it started to seem like we were actually losing money by paying in cash. Back then (though that seems like such a silly phrase since it was only seven years ago), using a debit card was less common. A lot of places - especially fast food restaurants - didn't take them. And many places would only take cash or checks.

So if I only had my debit card, I couldn't spontaneously decide to swing through the drive-thru on the way home from work. But if I happened to be carrying an envelope full of cash...pretty soon the envelope would be a little lighter and I'd have a tummy full of french fries. (This behavior was especially common when I was pregnant with First Son.)

There was also the change issue. I've never been good about holding on to small bills or coins. Every quarter I would get in change was like an excuse to buy a Coke. And if I had a twenty and the total came to $19.25, you can bet I'd be tossing a candy bar onto that conveyor belt, just to round out the bill.

So the envelope system seemed to have some downsides, but lately, paying with a debit card doesn't look any better.
I can't think of a single place that doesn't take debit/credit, so walking around with a debit card in my purse is like an invitation to start spending money.

I don't think there's really a point to this post except to say that I'm still trying to figure it out. We've been experimenting the past couple months with moving back to the envelope system, and I'm not sure yet how well I like it. It's kind of scary - I'm constantly paranoid that I won't have enough cash to pay the grocery bill. And now that I have kids, it's not like I can say, "We're running low on cash so we'll just eat ramen the rest of the month." Cash also makes it difficult to stock up on sales.

On the other hand, I'm much more aware of how much I'm spending. When I was paying with my debit card, it was always a bit of a guessing game.

Do any of you use the envelope system? Or pay for most things in cash? What do you think?

Photo by Photos8.com

This post was included in the Festival of Frugality at The Centsible Life.


Related Posts:

Read more...

August Round-Up

>> Monday, August 17, 2009

Last month, I mentioned that we're in a transitional phase with the budget because we recently moved from an apartment to a house, and I'm trying to work out the numbers. Last month, I couldn't finalize the categories for energy and water because we hadn't gotten full month's bills yet. Those are finalized now, but I discovered that we now have a recycling bill as part of the water bill - I guess the apartment complex covered that before.

The other change is that I decided to start including specific numbers for our energy and water. I know that rates vary across the country, so the amount we pay might mean nothing to most of you. Hopefully, including the numbers will make it easier to judge how I'm doing and compare your own numbers.

Finally, I'm going to stop including the "Changes I Made" and "Goals" sections in the round-up since I've pretty much "gone green" and haven't been making goals lately. Instead, I'll be doing "Best of" and "Next Month I'll Be..." sections.


Monthly Spending (budgeted amount in parentheses)

  • Groceries: $650.01 ($650)
  • Transportation: $222.54 ($150)
  • Energy: $135.72 ($150)
  • Utilities: $58.50 ($50)
  • Entertainment/Miscellaneous: $299.47 ($400)
  • Clothes: $0 (no set budget)
  • TOTAL: $1,366.24 ($1,400)

The Numbers:
  • Trash: 4 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 2 paper grocery sacks of paper
  • Average daily electricity use: 33 kWh
  • Average daily water use: 111 gallons

Best of...


Next Month I'll Be...
  • Shopping for school supplies (my baby starts kindergarten)
  • Starting a worm bin (I swear this time I really am!)
  • Going camping
  • Mapping out my garden
  • Reading Nickel and Dimed

Read more...

July Round-Up

>> Sunday, July 19, 2009

This month is sort of transitional because I'm working on a new budget but haven't finalized it yet. Now that we've sold our house, money isn't quite so tight, so I've upped the miscellaneous spending (we always went over in that category anyway). Plus, our new house is within walking distance of most things we need, so presumably we'll need less for transportation. And I changed the grocery amount to reflect our green grocery spending.

I haven't quite figured out how much to budget for electricity/gas and water since we still haven't received a full month's bill for either of those and we're still adjusting to the new house. I should have the new official budget by next month.

Transportation is high this month because we took a trip to Kentucky/Tennessee to see family. We have another long trip coming up later this month. I didn't realize how much we travel until I started this blog!

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $644.73 ($650)
  • Transportation: $260.47 ($150)
  • Energy: $59.10 ($150)
  • Water/Sewer: $16.96 ($50)
  • Entertainment/Miscellaneous: $322.38 ($400)
  • Clothes: $56.95 (no set budget)
  • TOTAL: $1,360.59 ($1,400)

Trash Report: 6 bags of trash (13 gallon bags); 1 recycling bin with plastic, metal, and glass; 1 paper grocery sack of paper


Changes I Made This Month:
  • In some areas, I've had to start all over again because of the move. I just barely got all 21 60-watt incandescent bulbs switched to CFLs. And the former resident of our house sure gets a lot of catalogs that I now have to cancel!

Goals for Next Month:
  • Time to address my water use.
  • Look for less toxic bug spray and sunscreen.


Read more...

June Round-up

>> Wednesday, June 17, 2009

Moving has got to be one of the most wasteful things we do, speaking both environmentally and economically. The only reason we're overbudget this month is because we rented a moving truck and bought food for the people who helped us move.

The energy amount is lower than usual this month because it doesn't include our gas bill. I think we'll be charged double next month because we transferred our service. Also, this electricity bill is for our apartment. I'm scared to see what it's going to be like in our house, which has an attic and a crawlspace.

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $690.73 ($500)
  • Transportation: $145.34 ($300.00)
  • Energy: $61.90 ($150)
  • Water/Sewer: $20.26 ($50)
  • Entertainment/Miscellaneous: $530.12 ($300)
  • Clothes: $0 (no set budget)
  • TOTAL: $1,448.35 ($1,300)

Trash Report: My careful record of our trash bags got lost in the move, so no report this month. But exciting news - I now have my very own recycling bin!

More whining...My list of blog ideas is trapped on my dead laptop, and my brain isn't working well enough to come up with some new goals right now, so I'm leaving that part out of this round-up also.

Read more...

May Round Up

>> Saturday, May 16, 2009

We were pretty close to being on target this month. Low on groceries, but high on everything else since we made a trip up to Maryland to finally sell our house there.

In the next coming weeks, we will be moving to another rental - this time a small house near downtown Raleigh. Our kids will have a small backyard to play in, and we'll also be closer to my husband's office as well as within walking/biking distance of First Son's school, the library, parks, and grocery stores. So I plan on redoing the budget soon after we move.


Monthly Spending (budgeted amount in parentheses)

  • Groceries: $460.61 ($500)
  • Transportation: $279.63 ($300.00)
  • Electricity: $90.62 ($150)
  • Water/Sewer: $26.69 ($50)
  • Entertainment/Miscellaneous: $483.19 ($300)
  • Clothes: $0 (no set budget)
  • TOTAL: $1,340.74 ($1,300)

Trash Report: 4 bags of trash (13 gallon bags); 1 bag each of glass, plastic, metal, and paper (reusable bags about the size of a paper grocery bag).


Changes I Made This Month:

Goals for Next Month:
  • Since we're going to be moving again this month, I think it would be best if I didn't try to make any specific changes this month. You can expect more talk about greening my grocery bill and going organic.

Read more...

Greening My Grocery Bill

>> Tuesday, April 28, 2009

One of my early goals for this blog was to green my family's diet. Organic and natural foods are some of the aspects of going green that really do cost more (as opposed to energy efficiency, driving less, and eating less meat, which will all save you money), but I felt like it was important to find a way to afford to feed my family as many healthy foods as possible.

Over the past few months, I've slowly been making smarter and smarter choices about what my family eats. But I've been having trouble getting myself to outright commit. Every month, I say, "This month we're going to buy all organics or locally produced foods." And then I walk into Whole Foods and I chicken out, declaring, "I can't really afford this store!"

But despite my chickenheartedness, I've been doing a lot of research, and my research says I can go organic and still stay within my overall budget.

Check Out My Super Obsessive Research Skills

I am the most obsessively organized person I know, and to prove that point, I offer this evidence: my price book.

I'll write in more detail later this week about price books, but I wanted to go ahead and offer mine for public perusal. So in case you're interested, here's how to navigate it...

I divided my grocery budget into several categories and gave each category its own sheet. On each sheet, I recorded the estimated amount of each item that I use a year, the lowest price I've seen for each item, and the total cost of each item per year. On the far right of some sheets, I calculated the cost per unit of each item (for example, flour costs $0.06 per cup). I did this so I can calculate how much it costs to make some of my recipes.

Food Storage: $1,187.24

My food storage section is divided into three categories: oats/rice/pasta ($210.70), baking and cooking supplies ($594.14), and beans/nuts ($382.40). Almost all of the prices recorded are from Whole Foods. I was surprised to find that Whole Foods had the lowest prices on almost every item I buy, especially those I could get from the bulk bins. The main exceptions were a few items I can get through a buying club at my church.

Personal Care/Cleaning: $633.78

I know many people don't include personal care products in their grocery budget, but I always have. Again, most of these prices are from Whole Foods, although I've been ordering a few things from Amazon to save money.

Farmers Market: $2,460

I visit my farmers market weekly to buy almost all of my produce as well as milk, eggs, and honey. My husband has also talked me into buying grass-fed beef from the farmer's market every now and then. If we were able to have a garden, chickens, or bees, I think this amount could be significantly reduced.

Whole Foods: $2,398.66

This sheet refers to the weekly perishable items that I buy, including soymilk, cheese, butter, bananas, etc.

Kroger: $1,128.49

The last sheet includes some items that I couldn't find an organic version of (or like with baking soda, it doesn't come in "organic"). It also includes my 80/20 compromise with myself. There are just some not-exactly-healthy foods that my family is not willing to give up, either because of convenience or because we enjoy them too much. Some of these things, like juice and goldfish, I plan to phase us out of eventually. But frankly some things, like Coke and cereal, are here to stay. Everybody should be allowed a vice or two.

And the grand total is...$7,808.17 a year, or $150.16 a week

That means I should be spending about $600 a month during a four-shopping-trip month and $750 during a five-shopping-trip month. That's about how much I've been spending anyway, even not buying all organic or natural products.

My price book doesn't include any herbs, spices, or extra yummies (like chocolate chips), but it also doesn't include the potential to get some items on sale or with coupons. So overall, I think it's a pretty good estimate of how much our green grocery bill should be.

So what do you think? Is $150 a week for a family of five reasonable for greening our grocery budget?

Photo by cesarastudillo

This post was included in the Festival of Frugality #193 at The Canadian Finance Blog.


Related Posts:

Read more...

April Round Up

>> Friday, April 17, 2009

I've been debating all day about what spendings I should include in each category this month. The total I settled on is a compromise with myself, but I could argue that it's both too high and too low to be an accurate picture of our spending this month.

It's too high because we went on a vacation for spring break for a week. Normally, I budget a monthly amount toward vacation savings, so I wouldn't include those expenses in my regular monthly budget. But due to our current housing situation, our savings have been wiped out. So even though the over-budget amount will be covered by our tax return, I still felt like I ought to include it in the total.

It's too low because my husband was invited to attend a computer conference in England this month. Since his airfare and hotel would be covered, we thought it would be a pretty inexpensive trip and would be good for his career. But my husband and I aren't always on the same wavelength about the definition of inexpensive. So, since his overspending was pseudo-work-related and so not my fault, I couldn't bring myself to include it in the total, even though it really should have been.

I admit that it is typically indulgent American behavior to go on vacation or pseduo-work-related trips while professing to be on a very tight budget, and I can't really defend us on that point except to say that we needed some vacation time. Please remember that I am a work in progress.

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $648.49 ($500)
  • Transportation: $241.17 ($300.00)
  • Electricity: $118.84 ($150)
  • Water/Sewer: $20 ($50)
  • Entertainment/Miscellaneous: $528.71 ($300)
  • Clothes: $35.02 (no set budget)
  • TOTAL: $1,592.23 ($1,300)

Trash Report: 6 bags of trash (13 gallon bags); 1/2 of a bag of glass, 1 bag each of plastic and metal, 3 bags of paper (reusable bags about the size of a paper grocery bag).


Changes I Made This Month:

Goals for Next Month:
  • I'm going to keep buying more organics, and I'll start sharing some of the things I'm doing to keep my spending low.
  • I had a goal from last month to plant a container garden, but I've been watching the sun on my balcony, and I'm not sure it will get enough sun heading into summer. It's a south-facing balcony but with a roof, so as the sun gets higher and higher in the sky, it seems to stay pretty shaded. I'm going to have to think about it some more, but I might just do a couple hanging plants. Either way, I've got to get that done in the next couple weeks.
  • So far, my junk mail does not seem to be decreasing, so I'm going to take another stab at that.

Read more...

March Round-Up

>> Monday, March 16, 2009

I'm pretty proud of myself this month. It was a five-week grocery trip month, but I still managed to stay close to the overall total budget. The transportation total is up because my husband has been working crazy hours at work so he has been driving a lot instead of walking/taking the bus. And the electricity bill is up because we've been having bizarre weather. An 80 degree day followed by a 30 degree day makes a 60 degree house seem extra extra cold. So I bumped the heat up to 65. Yep, I'm a rebel.

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $746.56 ($500)
  • Transportation: $169.17 ($300.00)
  • Electricity: $120.31 ($150)
  • Water/Sewer: $20.00 ($50)
  • Entertainment/Miscellaneous: $249.31 ($300)
  • Clothes: $18.09 (no set budget)
  • TOTAL: $1323.44 ($1,300)

Trash Report: 4 bags of trash (13 gallon bags); 1 bag of glass, 1 1/2 bags each of plastic and metal, 2 bags of paper (reusable bags about the size of a paper grocery bag). Trash went down but recycling went up. I guess that's okay, right?


Changes I Made This Month:

Goals for Next Month:
  • Lots of info about energy efficiency projects around the home coming up.
  • Plant a small container garden.
  • Get a worm bin.
  • I never made it to last month's Sierra Club meeting, so I'm repeating this goal for next month.
  • I think it's time to take the plunge into organics. I've been doing tons of research (making a price book, calculating year-long costs of different categories of my pantry items, evaluating costs of different recipes, etc.), and by my calculations, I should be able to go organic and still stay in the budget. I may hold off on giving tips until I see how I do, but you can watch out for any spikes in my food bill over the next couple months.

Read more...

Budget Input and Advice

>> Wednesday, February 18, 2009

This is another one of those posts where I'm looking for some input. Please? Pretty please?

I started this blog about six months ago with the primary goal of seeing if I could "be a responsible consumer and still stay within my budget." The secondary goal, if I succeeded with the first, was to disprove the myth, "I can't afford to go green." I feel like I'm doing a pretty good job with my primary goal. There have been some ups and downs, and there are still many ways I could be "greener," but overall I feel like I've proved to myself that I can go green on my budget.

But see, that's the problem, as far as the second goal goes. It's my budget, and since many people feel uncomfortable talking specifics about their spending habits, I don't have a clue how it compares to anyone else.

Do people come to my blog and say, "Well of course she can go green. Her food budget is twice as much as ours. And why on earth is she spending so much on gas?"

If you don't feel comfortable giving specific numbers on the Internet, that's totally understandable, but can you all give me a clue how my budget compares to your family's?
And if you spend less than me in any category, I welcome any and all advice! Please, please share!

So for comparison's sake, here's about how much I've been spending on my family of two adults and three kids under five:

  • Grocery (this includes anything you can get at a grocery store, so food, health, beauty, cleaning, etc): $600-700
  • Transportation: (gas and parking) $150-250
  • Electricity: $75-100
  • Water/Sewer: $20
  • Entertainment/miscellaneous (movies, eating out, magazine subscriptions, cold medicine, home improvement products, etc, etc, etc): There's been some big fluctuation here. I have it budgeted at $300, but I think I'm being optimistic.
  • Clothing: varies widely, but on average it's been about $50 a month
  • Total = $1195-$1420
I should add that we pay for cable television, and we have subscriptions to Netflix and eMusic. I don't include these things in the entertainment section, though they obviously are, because they are fixed expenses and wouldn't fluctuate based on my green spending.

Read more...

February Round-Up

>> Tuesday, February 17, 2009

We did pretty well this month, but there have been some consistent differences in each category between what I'm spending and what I've budgeted. I need to adjust the categories of my budget to better reflect our spending, but I'm waiting for our house to sell (fingers crossed, sometime next month).

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $686.14 ($500)
  • Transportation: $134.93 ($300)
  • Electricity: $96.14 ($150)
  • Water/Sewer: $20.00 ($50)
  • Entertainment/Miscellaneous: $298.03 ($300)
  • Clothes: $0 (no set budget)
  • TOTAL: $1235.24 ($1,300)

Trash Report: 5 bags of trash (13 gallon bags); 1 bag each of metal, plastic, glass, and paper (reusable bags about the size of a paper grocery bag)


Changes I Made This Month:

Goals for Next Month:
  • Deodorant, shampoo, and conditioner
  • Check out Durham SEEDS
  • Attend more Sierra Club meetings

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January Round-Up

>> Monday, January 19, 2009

Considering that this was the holidays, I don't think we did too badly. Of course, we went way over budget on entertainment, but that's Christmas for ya...

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $426.43 ($500)
  • Transportation: $290.59 ($300)
  • Electricity: $93.38 ($150)
  • Water/Sewer: $20.00 ($50)
  • Entertainment/Miscellaneous: $593.29 ($300)
  • Clothes: $13.52 (no set budget)
  • TOTAL: $1437.21 ($1,300)

Trash Report: 5 bags of trash (13 gallon bags); 1 bag of metal and 2 bags of paper (reusable bags about the size of a paper grocery bag)


Changes I Made This Month:
  • I didn't do too much because the holidays have kept me busy, but I have started taking a closer look at my personal care products and will continue that next month.

Goals for Next Month:
  • more personal care products - specifically focusing on plastic use
  • I'm attending a meeting sponsored by the Sierra Club this weekend to learn about getting Raleigh to build more energy efficient. I also plan to attend some Sierra Club committee meetings this month.

Read more...

December Round-Up

>> Tuesday, December 16, 2008

Monthly Spending (budgeted amount in parentheses)

  • Groceries: $594.77 ($500)
  • Transportation: $225.55 ($300)
    • Although still way under budget, this is our highest transportation spending in Raleigh so far, mainly due to a trip to Philly for Thanksgiving.
  • Electricity: $81.03 ($150)
    • Ha! Even better than last month, even with the heat turned on. Hope that means my efforts in energy efficiency have been paying off.
  • Water/Sewer: $20.07 ($50)
  • Entertainment/Miscellaneous: $263.90 ($300)
    • Aaaah, much better....We still have room for improvement in this category, though. We have a problem with itty bitty spending here and there that all adds up to a whole lot of wasted money.
  • Clothes: $85.36 (no set budget)
    • This was all birthday money for me and First Son, so I didn't include it in the total. About a third was bought at thrift stores.
  • TOTAL: $1,185.32 ($1,300)

Trash Report: 6 bags of trash (13 gallon bags); 2 bags of plastic and glass each, 3 bags of metal and paper each (reusable bags about the size of a paper grocery bag)


Changes I Made This Month:
  1. Wrapped up my paper changes, so now I'm a 100% recycled girl.
  2. Committed to buying eggs and milk from the farmer's market. Also buying organic cheese at the grocery store. Still working on finding a good source of ice cream.
  3. Worked on cutting back my energy usage.
Goals for Next Month
  1. I plan to take a look at some of my beauty and hygiene products in the next few months. I already do pretty well in that area, but I've been experimenting with some DIY projects and want to report my findings.
  2. It's Christmas, so the big goal is to stay in the budget!

Read more...
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