Can I tell you a little secret? Part of my hate in getting back into this frugal life is budgeting. I love knowing where my money is going and having a plan. Especially when it comes to the things we get to save for like buying a car with cash ( which by the way we just purchased our new to us car. A 2006 Toyota Sienna!!!!) Having no debt is amazing and we really are never suffering when you look at the big picture. But when we look at the month to month it always seems that we are going without something we really would love to have or that we don’t have enough for this or that category and have to shift things around.
When all of us got sick last month we had to dip into our emergency fund to pay for all the medical bills and the medicines. now we are trying to find money to put back into the fund so we can put it back tot he level it was at. It is this part that I hate. The trying to figure out what you will do without for a month or 2 so you can refill your funds you need to stay out of debt. Don’t get me wrong, I love having the cushion and feeling like we have the ability to stay out of debt even in emergencies like we had, but it is so hard to feel like you are never getting ahead in the money category. I stress way to much over things like money and when we have to do without certain things we love like date nights and family eat out saturday it makes me hate money. This hate then becomes part of how I look at each and every expense we have during the month. Am I crazy or what?? (I already know I am so you can say yes. 😉 )
But to report back: We have our draft of our budget for the month done. I have to sit down with DH tonight and if he agrees that all is well and there aren’t any other expenses we have, it will b our final for the month and I will be done with the math part. I love having it done and knowing what we have and what we need, it helps me to be a saver during the month and not make crazy purchases. So I have checked that part off my list and now I am off to clip coupons. with it as backed up as it is, I think I may only clip our needs from the old ones to save time.
Do any of you have a budget?? how do you make it fun when you have to do it?