Monday, October 4, 2010

October Budget

We’ve been pushing the checking account to its lowest limits lately and something has got to give. As a result, I’ve been having moments of panic quite a bit and this always puts the thought that I need to get a job into my head. The last time my husband and I discussed this option he said not yet. I know that the only type of job that would work for us financially would be for me to work the hours when he is home. Even this might not work financially as he gets sporadic overtime that far out earns anything I’d make working part time. Also it would seriously diminish the quality of our family life.

October happens to be a three paycheck month as well as the month my husband receives a lump sum check for the retroactive pay raises from their recently approved union contract. My goal this month is to maximize the additional income by keeping our flexible expenses as low as possible. This is really going to be a challenge as the pantry needs some restocking, we need pellets for the pellet stove, the truck needs new tires and it looks like I will be taking a trip to Florida within the next month to help my father in law start sorting and packing up his house to move (more on this at a later date).

I managed to get Halloween costumes already from a local consignment shop, I’ve been doing a lot of cooking from scratch and have been back to my previous mode of bargain shopping for groceries and household needs.  I’ve also sold some clothes to the consignment shop and have more clothing as well as kids toys to bring down.  We also have a few larger items and pieces of furniture that I’d like to get out of the house so I’m going to list them on Craigslist. 

Hopefully by being smart, and of course with some luck, we can get a little bit ahead of the game before the upcoming holiday expenses start setting in. Now I'm off to finish clipping coupons and making my grocery list for tomorrow.  I’ll keep you posted on our success. Note that I used the word SUCCESS – positive thinking right???!!! 

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