November/December/January/February Expense & Budget Sheet

Here is our November Budget list. If we make it happen, then we can pay off everything within the next 6-7 months. Paying off all of our debt within few months is amazing. I just hope we stick to our plan and watch our spendings.


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Rent & 2nd Mtg - $1,724.00 (Including our rent and condo fee)

Minimum Credit - $850.00 (We'll be paying off some credit cards & collection so the amount will be $400) less

Cable -$60.00 (The company screwed me up on this deal but I will be canceling the contract in November)

Cell Phone - $260.00 (husband lost control - had so many business phone calls to make and the bill came up high... Usually is $120)

Auto Loan -$474.00 (This will be gone hopefully in a month or two when we sell this car)

Auto Insurance - $170.00 (Cannot go lower because of husbands 2 tickets)

Family - $300.00 (helping our families with a little amount that adds up, but at the end they are our family and we cannot sit and not help)

Baby & Groceries - $600.00 (Hopefully we can make this happen)

Utilities - $360.00 (Husband just lost control with AC, it's usually $200)

Our Thanksgiving trip - $200.00 (I already mentioned that my baby and I are going to visit my family for Thanksgiving)

Husband's Business expenses - $1,700.00 (this includes everything - PT employee, gifts, internet, phone, fax, and many other expenses)

Entertainment - $100.00 (Hopefully we can make it happen to spend less but we'll see at the end of the month)


Total - $6,798.00

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This is what it will look like in December & January

Rent & 2nd Mtg - $1,724.00 (This cannot be changed Until February)
Minimum Credit - $650.00 (Hopefully will go Down from $850)
NetFlix - $15.00 (No more cable)
Cell Phone - $120.00
Auto Loan -$474.00
Auto Insurance - $170.00
Family - $0.00 (we paid until end of the year so no payment for December)
Baby & Groceries - $600.00
Utilities - $200.00
Trips - $0.00
Husband's Business expenses - $1,630.00
Entertainment - $50.00

Total - $5,633.00

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$6,798.00- $5,703.00 = $1,095.00 Savings in December & January!!!

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February budget:

Rent & 2nd Mtg - $1,400.00 (Rent $1100 + $300 condo fee)
Minimum Credit - $200.00 (Only my student loan will be left)
NetFlix - $15.00 (No more cable)
Cell Phone - $120.00
Auto Loan -$474.00
Auto Insurance - $170.00
Family - $250.00 (we paid until end of the year so no payment for December)
Baby & Groceries - $600.00
Utilities - $150.00
Moving Expenses - $500.00
Husband's Business expenses - $1,633.00
Entertainment - $50.00

Total - $5,562.00