March Budget

Here it is March 4th and I haven’t written my budget up for this month yet, oops.
Don’t worry it takes a few months to figure out how much you actually spend on the categories.   Look through your debit and credit card statements to add up your average in each category.

Sit down and make a quick list of everything that you will spend money on this month.  Your budget changes month to month but some things can be carried over.  
Some items carry from month to month depending on the need and bill cycle.
Here is a list of my categories:

Emergency fund ( 3-6months of expenses if you don’t have this started)
Dental procedure
Glasses
Clothes (this one builds up)
Gas
Car repairs, or new car fund ( if you plan to buy a car in the next bit let this build up. We just bought a car but will continue here to save for tires and services)
Power bill
Internet
Cell phone
Groceries ( this includes stock pile, end of the month I build on pantry items)
Restaurant (eating out)
Property taxes ( this builds up we pay annually)
Tax Free Savings Account
RESP
Parking at airport
Cleaning
Kid activities ( 2 activities need to be paid after March break)

OTHER CATEGORIES
Housing (mortgage, rent)
Car payment
Medical/dental plan