This was our old budget from when things were so tight. Looking back at it I'm amazed. Things worked out a little off plan most months. If someone invited us to dinner on Sunday for a family birthday, for example, we would take it out of the oops money. But then, someone would invite the kids to a birthday party at Chucky Cheese the same month. The pizza was provided for the kids, but we had to eat and get a small gift. We took some from the church giving and a little from groceries. We decided early on that our date nights were sacred--it was the glue that held us together. Christmas was nothing short of a miracle...and, no we didn't use the credit card.
Budget for 2006 (year changed for privacy)
Income per 2 weeks: 1235 + overtime
Giving
Church 40 Check
Ministry Partnership 15 Check
Grocery Line Blessing 15 Fun/Give Acct.
Abigail 05 Abby’s Acct.
Abram 05 Abram’s Acct.
Total: 80
Savings
Emergency Fund 30 Tabitha Acct.
Total: 30
Debt Elimination Plan
Mortgage 310 Debt Elim. Acct.
Chase CC 270 Debt Elim. Acct.
Amex CC 40 Debt Elim. Acct.
Honda 105 Debt Elim. Acct.
Total: 725
Necessities
Groceries 120 Nec. Acct.
Date Night 30 Nec. Acct.
Gas 100 Nec. Acct.
Oops Money 50 Emerg. Acct.
Total: 300
Bills
Electricity 100 Bills Acct.
Car Insurance 55 Bills Acct.
Home phone/Internet 25 Bills Acct.
Cell Phone 32 Bills Acct.
Water 33 Bills Acct.
Total: 245
Totals
Giving 80
Savings 30
Debt Elimination 725
Necessities 300
Bills 245
Grand Total/2wks: 1380
The same Dave Ramsey books we use and love can be found on-line:
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