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28 July 2010

How many things do I budget for?!

I'm working on a budget revamp; boredom has set in and I want to mix it up a little; I'm also aware that I make no provision in my budget for some items, like new glasses for example, which I will need eventually.

I've started out by writing down every single thing that we are paying for; the huge list is below.
  • mortgage payments
  • gas bills
  • electricity bills
  • council tax
  • water bills
  • house buildings insurance
  • house contents insurance
  • life insurance
  • tv licence
  • digital tv subscription
  • telephone line rental
  • mobile top ups
  • books
  • clothing
  • stationery
  • travel
  • haircuts
  • coffee out
  • eating out
  • garden plants
  • house decor
  • house repairs
  • golf fees
  • bus fares
  • window cleaning
  • gifts
  • grocery
  • daughters college fees
  • daughters bus fares
  • dentist
  • glasses
  • dry cleaning  
  • pension contributions                                                                                                                                                                                
Now it's impossible to remove all of these costs however some of them can be reduced or cut out altogether; that will be my next step. I feel like we are treading water money wise at the moment...again, and with only two years to go until our big move I need to get re motivated.

PS. In 2009 I wrote a post about items, i.e. spending, that I had eliminated from my budget

Have you done this lately, written down every single expense that you have?

4 comments:

  1. I have written everything down ~ we don't have much that we can get rid of... just the debt repayments which are on the snowball list!!!

    ReplyDelete
  2. Oh thats a scary list, yet what can you eliminate, maybe your cable TV although saying that I would never give mine up how else would I get to see Coronation St.Emmerdale and Eastenders here in Oz.

    ReplyDelete
  3. me and my sister both did this, and keep track of all our spending etc, it does help

    ReplyDelete
  4. It's a tough thing to do, but what better way to identify spending leaks?

    www.dougmcclure.kyfb.com

    ReplyDelete

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