<$Thursday, September 6, 2007$>
Making over my budget and cleaning house
| It's payday, at last. I still need to do my bills and set my budget, keeping in mind what I said last week about budgeting everything, and not just setting aside a blanket grocery fund like I usually do. I've also been gathering coupons, and I'll go through the sales fliers before I make my grocery list. I've also talked to my husband and we agreed to limit our shopping at Wild Oats to only organic produce and any must-have items we can't find anywhere else. I'll also try to budget some fun in. With all of the homework my husband has this semester, if we don't get some fun I'm afraid his brain will explode, and we can't afford to have the upholstery cleaned. Also, this weekend's our first anniversary, so I need to leave room for something special. I'll post a payday report this afternoon, and let y'all know how it goes. Also also, it's about time again to do some financial housekeeping. Every few months I like to review all of our bills to see if there's anything we can let go and stop paying for, or any costs we can cut, and also take care of any other financial chores I've been putting off. This round's To Do list includes making sure my husband is a joint account holder on all of my credit cards, and not just an authorized user, so that our low credit balances will still count toward his credit score. I'm also going to make another stab at trying to lower our cell phone bill. When I tried earlier this summer, I was told that we already had their least expensive family plan, and since I was still under contract I didn't really have any negotiating power. If I'm correct that I only signed a one-year contract (I need to double check this before I do anything), then it expires this week, which coincides nicely with a special that T-Mobile is currently running for a family plan that costs about $10 less than our current plan. We've also decided to downgrade our unlimited text messaging package to a 1,000/month package, which will knock about $5/month off of our cell phone bill. If I'm successful in getting them to downgrade us to their less expensive family plan, that's a total of $15/month we'll save, or $180/year. Sweet. I'll let you know how it goes. Labels: money management |
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