Budgeting Woes

So……my budgeting skills suck!  Trying to budget everything my family needs to have and things that are unneccessary is going to be harder than I imagined.  Being that we have eight million people in our household means we have to go person by person and budget in all their recurring expenses as well.  There are so many expenses that we have that I never think twice about, we just spend money frivolously.  We are going to have to tighten up.  The two kids with jobs will have to begin using their money for their knick knacks instead of throwing them on the belt in the grocery line.  Until I figure out where our money is going and how much is left over after our necessary bills and products, all the superfluous things will have to wait.  This is going to be hard, but I’m proud because I have already made some small changes.

The first thing I tackled was the cell phone bill.  We have six people on our phone bill and everyone has a smartphone.  I’m sure you all can relate to how expensive that is.  I went through and lowered our data usage and also took off unnecessary additions I had added on.  For example three of our phones are due for upgrades, so I took off the $6.99-9.99 insurance because it would be just as expensive to file an insurance claim than to get a new phone.  I also took off roadside assistance from two phones which is $3.99, being that we get roadside assistance through our car insurance company it really is pointless.  I also took off the $0.99 ringback tones, because no one really wants to hear my choice of music when they call me anyway.  All in all I will save $42.94 on my bill a month.

I also called my cable company to see where I could lower my bill.  My bill was coming to around $207 a month for cable and internet.  The company was running a “Triple Play” discount which includes cable, internet and phone, that lowers my bill to $147 a month.  I did have to drop my premium channels, but to be honest I never watched them anyway.  Now if anyone else did watch them, oh well, this is my budget and I do what I please.  If I’m still not happy with the outcome I will drop the cable all together and we will just do Netflix or some other company.  I’m sure that is probably the way to go.  Will the masses be happy?  No, but once again, it is MY budget.  Ok, I may be getting carried away but this is serious business.

Any good tips on reducing monthly costs?

My next goal is to figure out how to reduce food costs.  With six crumb snatchers (my fiancé) included our groceries cost us well over $1000 a month, and that is not including meals we eat out.  What is a woman to do?

I may seem a little concerned, but trust me I am not.  Phillipians 4:19 says “And my God will supply all your needs according to His riches in glory in Christ Jesus.”  I know I need to create a budget, but I have faith that God will continue to provide and make a way for my family and I.

Until next time, I pray you all have a great week.