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What is Your Budget Weakness?
Smoochiefrog is blogging about budgeting. Ugh, you say.

I don't see budgets like that. I think of them more like a dare. "I dare you to stay within this budget for food this month!". If I'm dared, I'll make it. If I just have good intentions, I won't.

She has some great links to Dave Ramsey's budget pages, and if you've never sat down and figured out how much you're actually spending, and how much you should spend, you really should. It can mean the difference between falling further and further behind every year and actually accumulating some net worth.

Anyway, I was thinking about what I find difficult about budgets. It's not actually the monthly amounts, like groceries. It's the yearly amounts, like clothing. If I have $600 a year for clothes, for instance, and it's only February, it's difficult. I don't find it practical to divide that $600 into 12, and make it $50 a month, because realistically you don't go shopping for clothes 12 times. You go maybe 3 times, and spend a lot more than $50 each time.

What do you find hard about budgets? Can you stick to them? April is beginning tomorrow so it's a great time to start! How much will you spend this month on groceries, eating out, entertainment, health & beauty, etc.?

I'm going to write my numbers here for posterity, and then at the end of April I'll report.

Food: $600
Eating out: $300 (I know that's way too much, but this is our weakness, and I'm trying to be realistic. This includes all those coffees, etc. that my husband buys)
Entertainment: $45
Health & Beauty: $80 (I'm due for a haircut, as is one of my daughters, and we're low on shampoo and other stuff.)

Okay, there you go. Let's see if I make it!

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At 10:16 PM , Anonymous Anonymous said…

Oh, we love to eat out. Sadly it is totally out of laziness. Who wants to cook and do dishes on the weekend? I'm working on doing more crock pot recipies for the weekend to cut down on that. And, I am sad to say that health and beauty don't even make it into our budget at all! My hair can testify to that. day! All the "extravagant" things I will be able to get my hair cut! :) We are proud to say, however, that we do not use credit cards! We are working on our debt, but it is mostly student loans and such. Dave Ramsey would be proud of us for that at least!


At 11:07 PM , Blogger Maggie said…

We love eating out. It has always been a weakness for us. Having teenagers is making it easier to say no though because its just so expensive now.


At 11:17 PM , Blogger Angie said…

My weakness is definitely the food portion of the budget. Although, I am thankful to see what you have budgeted. In a blogosphere of people spending $35/week and no food from out, it's nice to see someone having a food budget closer to mine.


At 9:15 AM , Blogger Wifey said…

The food budget is the hardest for me to stick to. Ours is $400 a month, and we still go over all the time. Either we eat out (out of boredom or laziness), or I grocery shop with a menu in mind and then want something else a couple of times and go shopping for those items.

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About Me

Name: Sheila

Home: Belleville, Ontario, Canada

About Me: I'm a Christian author of a bunch of books, and a frequent speaker to women's groups and marriage conferences. Best of all, I love homeschooling my daughters, Rebecca and Katie. And I love to knit. Preferably simultaneously.

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