February Budget

We barely squeaked by this month in thanks to high utilities and going out for Valentine's. On to next month!

I think I'm going to only post the budget spreadsheet at the end of the month. It is getting repetitive posting the planned, mid-month, and end of month budgets. Our budget looks very simliar from month to month so no need to keep posting it.

I'm also going to start zeroing our checking account out to $1000 at the end of each month. I'm hoping that it will help us to save better. We charge nearly all of our expenses to our credit card for the rewards points, but it is due in the middle of the month. So technically, we are paying for last month's expenses in the middle of this month. We don't put the credit card payment as an expense in the budget, because we account for each charge in the budget when it occurs. I think by zeroing the checking out to $1000 (for a cushion) we will be better about making sure any extra money for the month is actually transferred to savings and not spent on junk in the next month. It really all does sound more complicated than it is, I promise.