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July 2014 Budget Plans and a GIVEAWAY!

June 27, 2014

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Well, the year is over half over now! July is a busy, busy month for me. I am really looking forward to a long weekend for the 4th of July and then at the end of the month is our county fair. I am on the local fair board and also the extension board (4-H), which means fair week is a busy, tiring, and fun time of year! Here is my budget plan for July:

CategoryMonthly Total
DIFFERENCE-$0.25
Charity$10.00
EF$20.00
Morgage$852.28
House Repairs$15.00
City Bill$110.00
Gas$19.13
Cable$77.88
Internet$51.87
Phone$102.20
Food$120.00
Car Fuel$60.00
Car Repairs$15.00
Car Insurance$93.44
Clothes and Hair$40.00
Pets$40.00
Household$30.00
Personal$30.00
Crossfit$80.00
Cleaning$72.00
Debt$589.91
TOTAL$2,428.71
INCOME$2,428.46

The debt category went up fromย June to July this month. I am hoping to pay a little more on my debts in July to help make up for such a crappy month in June. If you remember, my debt total increased due to my new tire purchase. ๐Ÿ™

Like I explained last month, the amount I pay toward my debts each month varies a bit since I try to account for what activities I know I have planned for the month. For example, if I have a weekend trip planned, I allocate more money toward the gas and personal categories.

The last few months have all been tough and rather than telling you I hope to blow it out of the water this month and do excellent, my goal is just to maintain and make small progresses each month. Right now, I’m really just trying to get by until October! ๐Ÿ™‚

How’s your July budget plan looking? Do you adjust your budget each month?

NOW IT’S TIME FOR A GIVEAWAY! There are two separate entry opportunities below. This giveaway is in honor of Femme Frugality’sย 3rd Blogiversary!

irish proverb

Biddy Murphy is a phenomenal Irish Gift Shop located in one of Femme’s favorite vacation spots: South Haven, Michigan. They have a fantastic online storefront of made-in-Ireland goods. The owner, Ward Gahan, travels home to Ireland regularly and uses some of his time back home to expand and replenish inventory.

To celebrate this Blogiversary, Biddy Murphy is giving away a beautiful Irish plaque with a classic Irish Proverb:

a Rafflecopter giveaway
*Open worldwide. Fulfillment of prize is the responsibility of the sponsor and does not lie with any participating bloggers.*

squeaky clean

In honor of Femme Frugality’s 3 years of blogging, the North American Bear Co. is giving away a Squeaky Clean to 3 lucky readers! These cute microfiber accessories are perfect for cleaning the screens on all of your devices, and they can come with you anywhere you go with their keychain attachment. They come in a myriad of designs, and if you win, you get your pick. Worried about getting it too dirty? No problem; they’re machine washable. a Rafflecopter giveaway

*Open to US residents only. Fulfillment of prize is the responsibility of the sponsor and does not lie with any participating bloggers.*

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Kayla

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

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21 responses to “July 2014 Budget Plans and a GIVEAWAY!

    1. I live in a small town and my “commute” to work is only about 6 minutes. I drive probably about 10 miles a day (max). It is getting a bit tight now, I might have to increase it to $70-75 in coming months.

  1. I think I have the opposite debt plan right now. I’m trying to pay off a huge chunk this summer as I know my income is going down in the fall. I’m hoping for a super nice summer here, and I hope you get the same. ๐Ÿ™‚

    1. And to answer the question, I love the silver Celtic knot wedding bands. Maybe one day I’ll have a use for them ๐Ÿ˜‰ I dream of going to Scotland but I have some good friends who know Ireland quite well. I’d want to go somewhere with them.

      1. I’d love to go to either place! I want to travel around the world someday when my debts are gone!

  2. Taking it one month at a time is the best approach, I think. Our July budget is looking pretty decent. I’ll be away for almost two weeks, so I’m hoping our grocery and gas budget will stay low.

    1. I’m going to get 3 pay checks from my weekend job in July, so hoping to use the exta-extra to catch up on my 52 weeks of saving challenge and put the rest into my EF.

  3. I am the same way – next month I am only paying the minimum on my debt b/c i’ll be on vacation and I am ‘trying’ not to use my credit card at all

  4. I don’t even know how it’s possible to live off 120/month for food! What’s your secret? I spend around 400 just for me, and to tell you the truth, THAT’S a stretch not to go over. I do adjust my budget each month if I know I have something different coming up. RE Ireland I’d love to do a 2-week Ireland/Scotland trip. That’s after my croatia/slovenia trip!

    1. Well, I do live in a very LOW cost of living area (the midwest), which helps keep my expenses down. Also, I have very generous parents. We are farmers and raise our own beef (and generally pork too) which we harvest once a year. My parents are very generous and share the meat with us kids, so I only have to pay for chicken and fish as far as meat goes (and bacon because we usually run out of that pretty quickly, but I only buy that on sale).

        1. I would love to have a garden in my back yard, I just have a lot of clean up work to do first. (The last owner’s didn’t take care of the yard at all.) I just got the front yard whipped back into shape. I still just need to get my shrubs bought and put in in the the front yard and fill in a few bare/thin spots in the grass and the front is done!

    1. I try to always plan ahead, but it can be hard because sometimes things come up or change after I’ve made my plan. Plans are great, but sometimes you have to go with the flow. I’m thinking about doing a post on my grocery “secret”, so stay tuned! ๐Ÿ™‚

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