You know the cliché, “when it rains it pours,”well, these past two weeks have been a perfect example. I know, clichés are the worst. Every writer should avoid them, but sometimes they simply fit the situation. Surprisingly our particular rain had very little connection with Eastern Utah’s monsoon season, although I have felt as though I was drowning. These past two weeks have been ironic and financially challenging. Why? Simple, I began preparing a budget worksheet to share just days before our own financial mishaps.
Truthfully nobody likes the word “budget” because it reminds us that not everyone has a Kardashian paycheck. Some of us, okay probably most of us, have limited amounts of cash or income. Unfortunately, the question to some because do I buy the new Naked Pallet or do I pay my water bill. The answer is ALWAYS pay your water bill or cover the necessities. Still though for so many of us needs versus wants is stressful.
As I mentioned, the past two weeks have been financially challenging. On the Wednesday before last, as I was driving to work in my 2006 Chevy Colbalt, the “check charge system” light beeping. After a battery inspection, we discovered the issue was more than we expected. Two days later Lynden’s dad confirmed that it was the alternator. Thankfully for us, Lynden’s dad is a pro when it comes to fixing vehicles. Unlucky for us this particular car was popular from 2005 to 2009 and the “refurbished” alternator still cost us $150.
Yes, I know to some $150 is a small expense. For us, it meant that one pending house project has now been put on hold. This setback, however, is not the largest set back of the month. While I was laying in bed, on that same day the alternator went out, Lynden woke me up to tell me the dryer had just gone out. Although we knew the washer needs replacing, we were hoping to hold off for a few more months. Instead, a few days later we found ourselves at a local furniture store setting up a five-month payment plan for our new washer and dryer set. Additionally, we have poured floor leveler to resolve some of the issues that ruined our old washer.
So, what is the point of sharing our difficult month? Simple, although these financial set backs are not desirable, in setting a budget they are manageable. Surprisingly I enjoy setting up budgets. However, like most people it is sticking to the budget that is difficult. My preferred method of budget tracking is excel and I have yet to find an app that works better than my worksheet. Still though, I know not everyone enjoys making a budget. (Yes sister I am referring to you). I also appreciate that some people need to physically write down there budget and with those two groups in mind I have decided to create Monthly Budget Printables.
The prefect time to create your budget is now! No, seriously do not wait and always plan ahead. September is only ten days away so why not start from now. This month the budget I am sharing has that “Back to School Theme.” Yes, I enjoy each month having a theme and maybe in another life should have been an educator. Maybe when schools are created for dogs since more than five or six children overwhelm me. Please feel free to download and share these Printables. My goal here is to help everyone find even the smallest amount of excitement in budgeting. Oh, and please remember to check back next month for the October Budget Printables!