Going back to new YNAB, BUT I am not participating in their stupid credit card system, and that seems to be making a big difference. We treat our credit cards like cash anyway, because they’re paid off weekly, so it doesn’t really make sense to complicate things. Hopefully I’ll be able to stay on top of the budget better this way.

Weekly Budget Report

October 2022
CategoryPreviousBudgetedSpentRemaining
Monthly Bills
Mortgage$2,100.00$2,100.00$0.00
Phone$44.00$44.00$88.00
Internet$49.99$49.99$0.00
Electricity$13.16$240.00$148.65$104.51
Natural Gas$221.42$30.00$24.55$226.87
Water/Sewage$5.47$120.00$128.74-$3.27
Trash$51.54$51.54$0.00
Car Insurance$140.00$144.74-$4.74
Car Payment$300.00$300.00$0.00
TOTAL$3,075.53$2,948.21$127.32
Everyday Expenses
Groceries$800.00$622.93$177.07
Alcohol$157.02-$157.02
Fuel$162.18$300.00$154.56$307.62
Spouse Spending Money$41.55$138.45$176.09$3.91
My Spending Money$26.71$73.29$64.64$35.36
Kid Spending$12.34$150.00$287.09-$124.75
Restaurants$267.51$350.00$255.73$361.78
Medical$365.14$100.00$20.11$445.03
Household Goods$150.00$51.44$98.56
Business expenses$48.02$98.32$98.99$47.35
Pet Supplies$145.61$20.00$165.61
TOTAL$2,180.06$1,888.60$291.46
Rainy day funds
Emergency Fund$13,256.88$50.00$13,306.88
Household Maintenance/Repair$1,216.76$500.00$1,030.79$685.97
Air Conditioner$2,000.00$2,000.00
Car Repairs$3,841.83$100.00$48.59$3,893.24
Childcare$600.00$600.00
Gifts$177.30$150.00$327.30
Professional Licenses$420.04$75.00$874.00-$378.96
Car License Fees$505.00$505.00
Investment$200.00$200.00$0.00
Taxes$882.00$882.00
Vacation$3,097.76$100.00$3,197.76
Yearly Subscriptions$82.16$13.99$68.17
TOTAL$1,257.16$2,167.37-$910.21
Debt
Student Loan Payment$483.16$483.16$0.00
TOTAL$483.16$483.16$0.00
TOTAL EXPENSES$6,995.91$7,487.34
TOTAL INCOME$11,169.35
Remaining from Last Month$76.00
TOTAL REMAINING$4,249.44
OVERSPENT-$673.03
TOTAL LEFT FOR NEXT MONTH$3,576.41