I’ve gone and messed up my sleeping schedule. I took a dose of my new medication that is supposed to help with my imbalance/dizziness episodes. Holy crap that stuff makes me sleepy! I slept for about 12 hours and then after breakfast I was still feeling groggy and wound up taking a four hour nap! I love sleep so I’m not exactly complaining.
It’s about midnight that I’m typing this up and I’m just eating my dinner. I’ll probably make it to bed around the time my husband needs to get up for work. Oh well! I figure we’ll be moving in about 9 days and after getting unpacked and organized in a clean environment (can’t wait! ), I can focus more on my resolution of creating a daily routine and sleep schedule.
THE IMPORTANT STUFF
What I’ve really gone and done is created a budget without my husband. It’s been almost a month since he came to me with the suggestion of having an emergency fund. I keep bringing up a budget every few days and all he does is get quiet. Of course I can’t really stick to a budget without him. I wanted to plan out the budget together, with my husband’s input on what he thinks is a reasonable amount to spend each month on his computer games, energy drinks and groceries. But since I’m the only one that really looks at our finances and he’s always the one asking me how much we have, he’ll probably just be on board with whatever budget system I create. At least that’s what I’m hoping. I sent him an email this time with the budget I’d like to try out and hopefully he’ll actually want to sit down and talk about it sometime before his (short) underway next week.
We basically live paycheck to paycheck right now and our rent is going to increase by about $400 after the move. Our largest expense, next to rent, is our grocery spending. We average close to $600 in addition to the $300ish meal deduction that gets taken out of hubby’s pay every month for eating on his ship. The grocery spending also includes random household stuff like cleaning supplies, toiletries, pet supplies, etc. My husband makes a lot of random Navy Exchange and Rite Aid purchases for energy drinks that are regularly $2.99 a can. Those purchases can really add up.
I budgeted $400 for groceries/household items, $100 for hubby’s energy drinks and $35 for pet expenses as a starting point and I’m hoping to cut the grocery budget down even further after we get settled in at the new apartment (really excited! ). I’m worried that $100 is not going to be enough for hubby’s energy drinks. It averages to be just slightly over one each day of the month. Maybe I can convince him to drink more juice or even water?
I want to do a cash envelope type of system for groceries, drinks, pet expenses, car maintenance, and each of our own personal expenses. I will immediately pay all bills that are due during each pay period so that money will be gone/taken care of. Then I will transfer to my own personal bank account money to pay for prescriptions and co-payments, the California credit card and renters insurance (it’s a quarterly bill). After our debts (his loan, our credit card) are paid off in a few months, any savings we can expect to make during the month will immediately be put into our savings account. What’s left in our joint account will be used to pay for gas ($150) and hubby’s computer games ($100).
It’s with his computer games and energy drinks that I have a feeling he’ll have a hard time sticking to a budget. He’ll have only cash to pay for the energy drinks but I’m worried he’ll dip into the gas funds for game purchases. Right now we only spend about $90 on gas. We’ll be moving further away but it’s a lot of highway driving so I don’t expect too significant of an increase. Because we share one car, I am going to work on planning all my doctors appointments and errand running on Thursdays around zumba. That way I’ll stay in the general vicinity of the base and hopefully save some gas.
So that’s the plan and I can’t stick to it without the hubby’s approval. He has duty today but Sunday I am going to do my best to get him to talk about money and maybe I can get him to finally do his taxes too!