I just reviewed my forecast for the month. Thought you might want to see my planned spending and known income:
| Payee | Amount |
| Mortgage – part I | -$599 |
| Health Insurance | -$76 |
| Income | $684 |
| Amazon CC | -$96 |
| Gas/Water/Trash | -$150? |
| TX Savings | -$20 |
| TX Stash | -$20 |
| Income | -$20 |
| Electrician | -$1,210 |
| Sam’s Club CC | -$33 |
| Electricity | -$43 |
| Upwork | $500 |
| TX Savings | -$20 |
| TX Stash | -$20 |
| Verizon | -$350 |
| Auto Insurance | -$737 |
| Mortgage – part 2 | -$500 |
| Income | |
| TX Savings | -$20 |
| TX Stash | -$20 |
| USAA CC | -$181 |
| Beauty – phone | $71 |
| Gymnast – phone | $75 |
| Frontier CC | -$157 |
| Princess – phone & internet | $114 |
| Income | |
| TX Savings | -$20 |
| TX Stash | -$20 |
| Storage | -$79 |
| Internet | -$63 |
| Apple CC | -$ |
| Total | -$3,010 |
If the amount is blank, it means I don’t know it.
Some notes:
The total looks scary with just two weeks of income left to be calculated. However, my mortgage (part 1), the electrician, and health insurance are already covered from last month’s income.
There is no budget for gas or groceries this month. That is intentional as I am moving completely out of the house at the end of the month, so I want to eat through everything here. And I have no plans to leave a 3 mile radius of my home so my current full tank of gas should last me easily. I believe I have enough food to last me even if I am down to peanut butter sandwiches by the end of the month. (My loaf bread is kept frozen now and just toast it as needed so it doesn’t go bad.)
I do have additional income, but it is not predictable as far as amount or when I will get paid. It also goes into my business account. I have several business related bills that are covered from that account. The current balance of that account is right at $250 so it’s got enough to cover this month’s bills and some. When business is good, I would typically set up my Verizon and Internet bills to be paid from my business account. (Note: Upwork income, as seen here, requires that it be paid to a personal checking account so I cannot set it up to go to my business account.)
The TX Stash and TX Saving line items are weekly transfers to my ROTH account and my savings account. It’s not a lot but it’s something.
Things are tight. But nothing is late, nothing is over drafted.
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