Detroit Nesties
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Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Budget Categories?
The post from the other day got me intreguied and Im curious to see where all my money goes so I wanted to start a spread sheet to track my spending. I know I will end up forgetting some areas so...
WWhat spending categories do you ladies have?
If you dont have a budget, what categories can you think of?
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Re: Budget Categories?
These are our budget categories:
And this is all after we have retirement and health insurance taken out of our paychecks!
Serendipity3, South Beach, Miami, FL 2012
I agree! I love Mint! But we also have a more detailed budget that we created in excel.
Serendipity3, South Beach, Miami, FL 2012
Same categories, but I also add city taxes, association fees. Even though those come around once or twice a year, I like to create pocket of money for them so that I'm not scrambling to find the funds to pay it off.
This is definitely a good idea. Our taxes are included in our mortgage payment, but we do have to pay our HOA fees in December or January, so I should add that to my budget! Thanks!
Serendipity3, South Beach, Miami, FL 2012
Just some other ideas thoughts:
Maybe divide food, so a line for grocercies & a seperate line for eating out.
Clothing
Christmas gifts
I agree with this. I would also separate "household" items if you can -- things like toilet paper, cleaning solutions, laundry detergent, etc.
For us, Mint also divides things like Home Improvement, Home Goods, Furnishings, etc. It's pretty cool how minutely you can break things down if you want to.
We use a shared Google document spreadsheet to record our purchases, and it's been working out great. It's nice because we can both access it online from where ever.
Our categories:
Rent
Tithe
Car maintenence
Car insurance
Gas
Electric
Fun money (me)
Fun money (DH)
Random food (me) [for misc things like Starbucks, running out for lunch at work, etc. We could count it in something else, but it works best for us to have it separate)
Random food (DH)
Grocery
Grooming
Household (for random decorations, ink cartridges, toilet paper--basically house stuff that's not groceries)
Entertainment/Eating out
Gifts
Cable/Internet
Phone
Savings
We've been budgeting for about 1.5 years now, and I love it. It's been really helpful to know where the money is going and I find it freeing to know I can spend anything within x amount of dollars in any given category, and still be where we should be with our money.
The only reason we don't is because it's actually a pretty small line on our budget. DH travels a lot for work, so it's just me a lot of the time. I don't eat out very often, and I purchase the household items at the same place I buy groceries. It's just what works for us!
Serendipity3, South Beach, Miami, FL 2012