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It’s a new month and it’s time to budget and close out July. 📆
I got 3 paychecks this month 🥳 so I have some room to tackle extra bills 💸and start saving for holiday funds. 🎃🦃🎄.
I have ADHD and it’s a struggle being financially responsible sometimes 😆. Automating bills are great to prevent missed payments but I still need to balance the due dates and my paychecks since some bills might be over expected costs ( like this summer’s electricity bill 😭. The AC is worth it tho 🥶)
🧾I don’t automate these bills since it allows me the opportunity to adjust payment dates and keep the cash flow positive. 💲
I keep the cash flow simple:
✍️Incoming funds.
✍️Expenses:
- fixed costs - mortgage, utilities, insurance, streaming services, phone/ internet. ( essentials)
-variable costs: groceries, gas, family outings, coupon fund, thrifting, impulse buys.
✍️Leftover: savings, miscellaneous bills.
👵retirement deductions are automatically deducted so I don’t include in my budget.
💰I have a set exempt salary so the paychecks are always the same ( every other bi-week there is extra $50 technology stipend)
📈 I move extra money to my investments account if there is leftover spending money.
🚗 My cars are paid off so I just have gas and insurance costs.
🛟 Life insurance costs this month is pretty high since 2 policies have quarterly premiums due. Next month will be lower since those 2 policies won’t need payment until November.
📱Phone will be $45 cheaper in September when 3 phones will be paid off. 🧾
Something I do to help me track my bills and spending is having several structures in place.
📖The budget finance planner helps me stay organized and plan out payments from paychecks.
🗓️The post it calendar on the wall provides visuals for me to double check I paid off bills due.
🗂️The folders help me keep older receipts organized for easy reference. ( Tax purposes and proof of purchase )
⭐️Stickers because we want to be fun when tackling adulting tasks 😆
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