It’s time for week one budget review I will be discussing my budget and bills but will not share income just yet. Friday was payday for me. Let me be honest my income was less then I would have liked. I get paid based on seeing my clients so with the holiday’s  a lot of clients were out of town, which means smaller income, but I am not going to stress.

How I create my budget:

I am such a pen and paper girl so I use the Happy Planner Budge extension pack to write out my budget.  also use Dave Ramsey everyday dollar app. I like the app because things are broken up into categories and it allows you to see how much you are spending in each category.

My budget is set up on a biweekly basis since I get paid biweekly it works best for me. I divide my bills up by pay periods. Budgeting has to be done based off what works for you and your house hold. A biweekly works better then a monthly budget.


Bills, savings and sinking funds

Since my income was smaller I had to o some rearranging with bills (which I do not like doing but some rearranging with bills (which I do not like doing but some times mandatory)

Bills paid this check

  • Car insurance $195.95
  • Capital one $25.00
  • Mama $200 ( I currently help my mom with bills since she is unable to work)
  • Gym $11.05
  • Car note $375.75


  • Emergency Fund $$$

Sinking Funds

  • Car repair/maintenance $10
  • Moving $10

Cash Envelops

  • Gas $80-might need to add more
  • Grocery $50
  • Coupon $25
  • Misc $50

I did have to miss paying  bill and move until next payday. No I will not get any late fee’s. i know some might be thinking why not take money from sinking funds or eliminate coupon and misc envelop, but I need these categories but I drive a lot for work which requires maintenance. I am looking to move so I want to put a side small amount for incidentals. Coupon is my business so the items I get I always make that money back double. Miscellaneous if for unexpected items for work or needing to get things for my mom. I am helping my mom until she can return back to work (for those who don’t know my mom is a cancer survivor and is currently recovering from surgery and taking radiation) so I am just adjusting and doing what can be done until I can get back to just focusing on my own bills. So until then my crazy method will be what works.

No spend update:

For those who don’t know I am doing a No Spend January.  I have done okay so far this week. I had two three complete day’s of no spending. The other day’s included items that were budgeted for.

Mon $0
Wed$20 (gas-budgeted)
Friday$62.04- (gas, food personal items all budgeted for)
Saturday$44.97 (business items all budget for).

The goal for the upcoming week is at least 5 No Spend Days. i know I will ave to buy gas so that will count as one of my spending days.

How are you doing with your budget and No Spend Challenge?



Please follow and like us:
Follow by Email

Leave a Reply

Your email address will not be published. Required fields are marked *