Using money wisely and building wealth

April – Zero Based Budget – (Irregular Income)

Well, I thought this month was going to be better than last. It looks like it will only be slightly better at $3,800. We still plan to tighten our belts this month. The kids are on Spring Break the first week of this month which means we will save a little on gas since I will not be driving to school or any other activities this week. I have declared it spring cleaning week so we will be busy!

Remember, with the Zero-Based budget, every dollar as a place to go with nothing left over. Here is our April 2013 budget…

    General Account:

Utilities (electric, tv, telephone) $300

Health Insurance $499

Other Insurance $120

House Payment $589

Extra Principle on House Mortgage $400 (this keeps us in line to pay off our only debt of our house in less than 5 years)

Children’s 529 plans $100

Charity $150

    Envelope Additions:

Grocery $500

Gas/Auto $220

Clothing $100

Vacation $120

Christmas/Gifts $ 75

Home Projects $100 (looking to finish the playhouse)

Recreational $100

Garden Fund $27 (we are starting this envelope this month in anticipation on the growing season)

    Savings:

$400! YAY!

Where is your money going this month?

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