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June 7, 2019 · Leave a Comment

June Budget Categories

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Budget· Budget Tips

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With June right around the corner, it’s time to start setting up your June budget.  As you’re getting your budget ready for the start of summer, don’t forget to add these June budget categories.

June Budget Categories

Father’s Day

Father’s Day is in the middle of June.  Whether you’re planning a barbeque, a nice lunch out, or just want to get a small gift, don’t forget to budget for this day!

Graduation

College graduation was in May, but High Schools where I live graduate in early to mid June.  You don’t have to go all out, but don’t forget to plan for a small gift either.

Increased Utilities

For us, the summer is when we see our electric bill start to rise.  Partly because our pool filter is running, but also because we put in the air conditioners and try to take some of the humidity out of our house.  Either way, be sure to budget for an increase in these utility bills during the summers.

Lawn Care

In our corner of the northeast, June is when our grass really starts to grow, and needs mowed frequently.  Whether you pay someone to care for your lawn, or you do it yourself, it’s not free.  Look at your lawn expenses in the past to get an idea of how much you’ll be spending throughout the growing season.

Garden

Since we have short growing season on my mountain, June is when we can get a lot of our planting done.  Whether your season is just starting, or you’re in the midst of it, make sure to set a budget, and stick to it!  Don’t be afraid to get creative too!  Some of the best results we’ve had in the garden over the years have been from things we’ve had to come up with on the fly.

Pest Control

Warm weather means more critters.  If you’re the type that likes to spray for bugs and other pests, make sure you budget for it rather than be surprised by a big bill later.

Farmer’s Market

Our farmer’s markets started in May, so June through August are the main months for going to the markets.  I really enjoy going to the Farmers Market for fruits and veggies that I don’t, or can’t, grow.  It’s a favorite place for plums, and peaches too.  Either way, don’t forget to budget for the expenses for fresh fruit, veggies, herbs and flowers, whether you incorporate the cost into your weekly grocery budget, or you have a separate envelope for it.

Extracurricular Fees

Between youth camps in the summer, sports, marching band and theatre league, funding all the extra curricular activities isn’t cheap.  Make sure that you budget for, and save for these expenses ahead of time.

Also, be sure to budget for any uniforms, pictures and fundraisers that may come up.

Sports Physicals

Summer time is the perfect time to get those annual checkups in!  Plus, if your child is playing school sports, they’re going to need a current physical on file.  If you need to pay a co-pay, don’t forget it in the budget.

Library Fines

We don’t visit the library much during the school year since we’re busy doing all sorts of other things, but when school is out, we go multiple times a week.  It never fails that our first time back at the start of the summer we owe some sort of library fine for a late book the summer before.  {True story… Bookworm owed a $10 fine.}

Instrument Care

For those band mom’s, summer is the perfect time to get that instrument for a cleaning and see if there are any repairs that need done.  While I cringe at the bill, I know from personal experience that getting it in for routine maintenance will help keep the cost of emergency repairs and instrument replacement rentals down.

Birthdays, Weddings & Baby Showers

With the nicer weather comes a plethora of birthday celebrations, weddings and baby showers.  If you’ve been invited, make sure to set aside some money in your budget so you don’t overspend.  We have a separate savings account for gifting purposes, but sometimes we have more invitations than money in our account.

If you can’t afford any more financial stretch in your budget, slowly add money to a gift card over the span of a few weeks, or buy one item at a time within the normal constraints of your weekly budget.  I find not only does it help keep us within our weekly budget, but we get really creative, and much more meaningful, on what we’re gifting.

Car Maintenance

I have to take my car in for it’s annual inspections in April, but even when I didn’t have to, spring to summer is the perfect time to take your car in for some maintenance.  Changing the oil, rotating tires, and washing off all the roads salt is a perfect start to keeping your car in tip-top shape for the remainder of the year.  While your car is being maintained, don’t forget to have them check your tire tread.  It’s always better to save up for tires than to have them surprise you right before winter comes.

Eye & Dental Exams

Just like wither annual physicals, summer is a great time to get the kids in for their exams.  Every spring and fall we have our semi-annual dental exams, and the summer is our annual eye exams.  If it’s been a while for either, you may want to get yourself in for a checkup.  Better to be on top of your health than have to play crisis management later on.

Sinking Funds

Be sure to keep up with any of your sinking funds.  For us, we’re still saving for our quarterly and annual bills, as well as medical expenses.  We’ve got a new sinking fund for a down payment on Bookworm’s orthodontic work coming up in the summer.

Christmas

It’s June, and that means Christmas is 6 months away.  Best to get started on saving up now so you know your budget when December comes.

Vacation / Travel

Summer time is the perfect time to travel with the kids, so whether it’s fees for the local campground, lodging at the hotel near the amusement parks, and amusement park ticket costs, don’t forget about the other expenses that may come up.  These can include pet boarding, parking fees, beach day passes and so on.

Miscellaneous Summer Costs

Between admission to the community pool, sunscreen, sandals, and so on, there are small expenses that can eat up a good chunk of your budget when they’re all added up.  Be sure to have a miscellaneous category for these items.

Fourth Celebrations

July is right around the corner, and guaranteed you’re already thinking about what to do over the 4th of July holiday.  Whether it’s BBQs and picnics, travelling to see family, or just going out for the day and viewing some spectacular fireworks, start setting aside some money for it now so it’s less of a financial burden at the start of July.

 

Looking to set up your budget for a different month?

  • May Budget Categories
  • April Budget Categories
  • March Budget Categories
  • February Budget Categories
  • January Budget Categories

Are there any other budget categories you included in your June budget that I aren’t on this list?  Let me know in the comments below and I’ll be sure to add them!

June Budget Categories

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makingcentsmatter

makingcentsmatter
Payday is today! Actually, payday was Friday the 1 Payday is today! Actually, payday was Friday the 12th because we completely forgot today is a bank holiday in the US. The feeling of being paid and not needing it is a nice one.⁠
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Here's what our paycheck needs to get us through for bills until March 14th. For a full look at our budget over the next month, head over to my budget with me on YouTube: https://youtu.be/rb8uyi1-rNc⁠
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#monthlyincome #monthlybudget #monthlybudget #zerobasedbudget #payday #budgetwithme #budgeting #budgettips #budgetcalendar #frugalliving #savingmoney #paycheck #makingcentsmatter #debtfreejourney #debtfreeprogress
This weekend was focused on a pantry shop and meal This weekend was focused on a pantry shop and meal plan creation! This meal plan to get us to our February payday. We also picked fast meals, because it's a busy two weeks between doctor's appointments,. Academic Decathalon, dance, and drama. I'm unsure we'll be able to shop on payday, hence the extras.⁠
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Total spent: $112.39 for items to get us through this and lunches.⁠
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Keep in mind, just over $112 for 12 meals isn't sustainable for our family, just in times when we need to stretch the last bits of our monthly income. I really wish $112 was enough to feed two teenaged boys in our household.⁠
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The point being... do what works for you, and your situation based on your location. Don't try to fit yourself into someone else's situation!⁠
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#mealplan #mealplanning #frugalliving #frugalmom #makingcentsmatter #savingmoney #monthlyincome #budgeting #budgetmom #groceryshop
January's real numbers:⁠ .⁠ House: $511.13⁠ January's real numbers:⁠
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House: $511.13⁠
Citi: $720⁠
D NelNet: $100⁠
K NelNet: $100⁠
K Chase: $150⁠
Explorer: $343⁠
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Extra Payment to Citi: $500⁠
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Noteworthy... our car payment had a late fee assessed because the mail was SLOWED down over Christmas. Three headaches later, and we potentially have online banking finally set up with them. It is still a headache. And we are never taking another car loan out with this bank!⁠
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How was January?⁠
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#makingcentsmatter #debt #debtfreejouney #debtfreeprogress #debtfreecommunity #realbudget #savingmoney #savings #frugalliving #frugalblogging #budgeting #monthlyincome #zerobasedbudget #financialgoals #personalfinance #personalfinancetips #financialfreedom
Sometimes in order to see progress, you need to ta Sometimes in order to see progress, you need to take a step back.
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I'll be honest, I didn't think that we got this far in 2020. With everything going on - and more importantly, everything NOT going on - we didn't keep up with this every month. We just threw what we could at our goal. I'm simply amazed at how far we came.
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Things are still hectic, and I'm simply mentally exhausted between remote learning, extended remote learning, offset quarantining children... it goes on and on.
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But I also cannot wait to see what strides we will make in 2021.
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#makingcentsmatter #debtfreejouney #debtfreeprogress #savingmoney #savings #frugalliving #frugalblogging #budgeting #monthlyincome #zerobasedbudget #financialgoals #personalfinance
This is what school looks like when it's a hybrid This is what school looks like when it's a hybrid model, and your house does not have unlimited space. I was standing in our kitchen when I took this picture, the kids behind me making lunch.
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Our district is carefully monitoring our local infection rates, and we are currently in a hybrid form. That means they divided the district into two groups; half are in school on Monday and Tuesday, the other half on Thursday and Friday. They are offering an all remote option, but Verizon for some reason supplies our house with speeds so slow that it would shock a tortoise. Remote was a no-go.
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This set-up has taken some trial and error to get to where we currently are. Because no matter how prepared you are and how much you've planned, once you're in the weeds, actually doing it, there is no telling how your best-laid plans will work.
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Our home is a 1800sqft one-story, open living area, 4 bedroom, 1 bathroom, ranch-style house in a very rural area. It has no home offices. No guest bedrooms. Yes, that is a desk in the corner of our dining room. 🤣
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Each kid gets their own color bin for their school work. This includes school-issued Chromebooks and other standard items they need to get work done - headphones, pencils, and so on. When we are done for the day, we clean up everything, place them neatly in these bins, and place them in cubbies (on my current left) at night while the Chromebooks charge.
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I do NOT bother to clean up at lunchtime. It would take us more time to clean up and reset everything than it takes us to eat lunch. So we only pack it all up for the day and call it done.
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During the day, I sit between my younger two and field any questions they may have, troubleshoot technical issues we all have, and be the overall bouncer when things get off-topic. My high schooler will occasionally emerge from his bedroom, which opens to the kitchen. So he is close by when he has questions.
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Please remember that with all things in life, you need to work with what's available to you. And there is no shame in that. Don't ever feel like you're not doing good enough because it's not picture perfect. Work with what you have available to you, and you'll do amazing things.
School is in session, the garden is slowing, and I School is in session, the garden is slowing, and I’ve finally realized I haven’t shared our payoff numbers for July or August. Yeah……
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Please keep in mind, we are paid monthly on the 15th, but we don’t go by a “monthly” budget. So I have to go back and look at these numbers based off their due dates in the calendar. Because our pay falls in the middle of the month, I can’t tell you what portion of our income went to debt. It’s going to vary paycheck to paycheck anyways because our priorities vary with each check. Nothing is ever the same month to month, and pay to pay.
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That said, inJuly we paid off $2,694.43.
In August we paid off $1,673.40.
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The difference here is that our priorities shifted between the two months.
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During August, we were doing more prep for whatever school would look like this year, and we had some savings goals make their way to the top of the list as well.
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Of those goals, in August we made progress!
EF Reimbursement: $146 / $1,200
Checking Buffer Reimbursement: $227 / $500
Vet Sinking Fund: $40 / $200
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Remember this is a journey, not a race. There is no point wearing yourself ragged and still making no progress. Make progress where you can, and celebrate it. Even if it’s $5.
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It’s progress, and that’s what matters!
While I wait for the canner to finish the last rou While I wait for the canner to finish the last round... I rearranged our recipe binder. It's only taken me 8 or so years. 🤣😶😭
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I miss the days when zucchini was my problem. Now it's tomatoes. I can only find so many ways to use up spaghetti sauce! So the next 50lbs or so will be chili base and unseasoned sauce.
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On top of this school is starting with a hybrid in building & online system. And I'm seriously slacking on some things I need to do. I'm not good at juggling multiple things and the balls are falling. But I keep reminding myself... be patient. This too shall pass. This is only a phase. So I pick and choose what's the most important, focus on that and go from there.
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So if you feel overwhelmed with your current phase, remember, this too shall pass. It's okay to rearrange priorities. It's okay to take a breather.
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This too shall pass.
If you didn't start finding interesting ways to ge If you didn't start finding interesting ways to get rid of the squash, can you say you even planted any?
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Good news, I'm almost caught up! Bad news, the garden has more.
Super busy here... but I wanted to share that wins Super busy here... but I wanted to share that wins can come in super small packages. I thought I'd spend $380 to clean the band instruments in this house. I ended up spending $234. So the remaining $146 can go to reimbursing what I pulled from our EF.
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No matter the win, celebrate it!
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What are some wins you have had lately?
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