September 2007 Budget

Total Income - $7,526
Total Expenses - $7,465
Save For Future Expenses - $61

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This month I am determined to stick to my budget!! To help ensure that this happens, I have budgeted on the high side with a firm determination to come in at or under budget in all categories. I feel this will help me gain a sense of accomplishment and once mastered, I will focus on reducing some of the categories.

My goal will also be to track my expenses weekly instead of monthly. I found it too difficult to keep up with daily tracking yet I don't want to wait until the end of the month to see how I am doing. Weekly tracking will hopefully solve these problems.

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Budgeted Income
Beginning Checking Account Balance: $1,433
Husband's 1st of month paycheck: $1,831
Transfer from Savings: $2,500
Total Funds for Beginning of September: $5,764

Estimate of Husband's 15th of month paycheck: $1,687
Estimate of my Church earnings 15th of month: $75

Total Estimate of All Regular Funds for September: $7,526

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Budgeted Expenses
mortgage - $2,355
Capital One - $739
HELOQ - $193
Chase - $168
Electric - $190
Oil - $250
Car Ins. - $138
Cable/Phone/Net - $167
Trash - $65
Newspaper - $8
Bills Subtotal - $4,273

Grocery - $480
Spending - $200
Pizza Night - $80
Kid's Clothing - $200
Parties - $125
Gifts - $190
Tooth Fairy - $10
School Lunch - $18
Dining Out - $195
Babysitting - $20
Cash Subtotal - $1,518

Irish Step Lessons - $240
Preschool - $250
Piano Lessons - $264
Kids Activity Fees - $305
Auto Gas - $450
Uhaul truck - $65
Misc. - $100
Subtotal - $1,674

Total Budgeted Expenses - $7,465