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April was my last month of working as a seasonal tax preparer! I really enjoyed that job and will definitely miss the extra income, but it’s nice to finally have time to rest! April was also a busy month for us both personally and financially, as I hosted my sister’s bachelorette party/bridal shower, a bachelorette bash for my friend Julie, took both of the pets for the vet, and went home for my sister’s wedding at the end of the month.
April Income- $3,791.60
We live off last month’s income. For an explanation of why we do this, check out this post.
Andy’s April Paycheck- $2,187.40
This is Andy’s net (take-home) pay. 10% of his paycheck is automatically deducted for his TSP (retirement fund.) This post explains why my husband and I are comfortable sharing our salary information on my blog.
Bailey’s April paycheck- $1,586.02
We are immediately putting 100% of my paychecks into savings for our big move.
This is the last month where I will have paychecks from two jobs! So bittersweet.
Since we bank through a credit union, we get a small share of their monthly profits back as a dividend based on how much money is in our accounts. We are saving these pennies for the big move, because every penny counts!
Random Income- $17.39
I resold some gift cards that I was given to stores I will never shop at.
Since we currently live on-post, this is automatically deducted from Andy’s paycheck so it does not come out of our regular budget. When we use less utilities than allotted, we receive a refund check by mail.
Total Spent- $960.00
We believe that “our” money is not ours, but God’s, so we give a 10% tithe on Andy’s paycheck. Read our thoughts on tithing here.
I have a sponsor child, Veronica Sarah, through Compassion International, to whom I gave a monthly donation. I also pulled from our “giving” category to host the two bridal showers. For us, this budget category is about blessing others, so although we don’t plan to regularly use this money for gifts and “parties”, we were okay with it in this case.
Total Spent- $421.17
Rolling over to next month- $76.79
This includes our cell phones, internet, renter’s insurance, and Netflix.
My cell phone bill went up about $5 a month, because I switched plans to get a bit more data. I still hate how much money I spend on my cell phone and I can’t wait to get off the plan as soon as I can get out of my contract.
Total Spent- $227.29
This includes groceries, fast-food meals (not date night meals), household items like toilet paper, and home improvement.
We spent WAY more in this category than we ever have before, because I went shopping at the commissary’s case lot sale at the end of April. I’ll share more about my case lot sale shopping experience in a future post! Other than the case lot sale, we did also go over slightly in groceries and eating out.
Total Spent- $818.92
This includes my dental insurance, chiropractor visits, and any over-the-counter medicines.
We had been saving $840 for a dental procedure that I needed and that Tricare wouldn’t cover at all. The day of the appointment, I called to ask if I would need a follow-up appointment and discovered that I would need one in 3-4 months… I won’t be living here in 3-4 months!!! Then, they said they are also no longer taking Tricare dental, so the follow-up appointment wouldn’t be covered… but I could pay them in full and get reimbursed by Tricare. I laughed, because who has the money to pay in full?! And doesn’t that beat the point of having insurance?! Needless to say I canceled that appointment for both of those reasons and moved that money to our moving fund. I also went to my chiropractor when I was home for the wedding.
Total Spent- $35.00
Moved to Moving Fund- $840.00
Rolling over to next month- $35.00
This includes gasoline, car insurance, car repairs, AAA membership, and car taxes.
Our car insurance rates went up about $20 a month, because “it’s more expensive to insure in Kentucky than it was 6 months ago” or so our car insurance said. I’ll probably get quotes for new car insurances when we move to our new duty station since we’ll have to switch it over anyway. We came in slightly under budget on gasoline, but also had to buy some antifreeze.
Total Spent- $355.51
This includes new uniforms, college classes, haircuts, and mandatory fun events.
Andy had no expenses for the month other than two haircuts!
Total Spent- $22.30
This includes anything related to Bailey’s work and education.
With me having to leave my job so soon, there’s nothing I need to buy on the work front.
Total Spent- $0.00
This includes any and all Gracie and Lily-related expenses.
I took both pets to the vet for check-ups and annual shots. We also had a pet-sitter watch the furballs while we were gone for the wedding. We also bought some more dog food and a bone for Lily.
Total Spent- $237.68
This is for any date-night related expenses, including activities and eating out.
We were both so busy in April that we didn’t go on a date at all! We did make plans for our May dates, so I put $75 towards those expenses.
Total Spent- $0.00
Rolling over to next month- $75.00
This is for Andy and Bailey’s individual fun money allowances. They each get $100 can spend them however they please or roll it over to the next month.
I spent my fun money on a few necessities, such as nude shorts to wear under too-short dresses, some concealer to hide the permanent bags under my eyes, and the essential Popeye’s chicken! Andy spent his on fast food and an XBox game membership.
Bailey’s Total Spent- $101.90
Andy’s Total Spent- $93.14
Like most military families, we’re on the move every 2-4 years, so we try to save in advance for these moves.
In March, we found out we’re moving this summer— a year sooner than we had planned! Every penny we aren’t using in our budget is going toward the PCS fund with a goal of saving $5,000 for the moving expenses and deposits on our rental house. We FINALLY know where we are moving, but plan to keep it a secret for a few weeks longer so I can tell my Mamaw in person!
Total saved in March- $2,117.37
Total saved for move- $4,287.04
We’re working to pay off our debts, so I decided to list these with more detail than our other budget categories. Any “extra” money for debt snowballing will be paid in the next month.
Discover Card- $62.00
This is the minimum payment for our Discover card.
Estimated payoff date: June 2017.Official payoff date: March 2017.
Student Loan- $72.54
This is for the minimum payment on my student loans.
Estimated payoff date: June 2018.
Estimated payoff date: ???
Personal (Wedding) Loan- $230.39
This is for the minimum payment on my personal loan, which we used for the wedding.
Estimated payoff date: March 2018.
Debt Snowball- $0
This is for any payments above our minimum payments.
Unfortunately, our “debt snowball” is on hold until we settle into our new home this fall, so we can use the extra money to fund the move.
Total Spent- $302.93
A few more “random” expenses that didn’t have their own category.
Our Marriott credit card annual fee hit, which was $85. That’s totally fine with us, since we will get one free night stay for our cardmember anniversary.
Andy and I keep a $2,500 emergency fund in our savings account to cover any major unexpected expenses that we can’t cash-flow in our monthly budget.
So far our emergency fund is holding steady! 🙂 We’re hoping to keep it at an even $2,500 and tap into it only when absolutely necessary. We’re not planning to use our emergency fund for our PCS unless we come up short. Each month we earn a few cents in interest, which goes straight towards the savings!
Rolling over for future- $2,502.44
How was your April budget?