Aaaaaages and aaaaaaaaaages ago I wrote about those dreaded PITA irregular expenditures.
And for months now I’ve had this post sitting in drafts. We’ve gotten ohsoclose to the dream budget, veered away from it, and so on. It frustrates me. It is unbelievably irritating. But I think I have to accept that an easy life, for now, remains a pipe dream. What I wouldn’t give to be able to go to concerts! Movies! Restaurants! To buy fish and chicken and olive oil and ice cream on our grocery shops every single week!
It hurts me to think how much money we wasted in the past, either by just not knowing where our money was going, or spending too much on, well, crap. I think the fact that the amount of discretionary income T had when he was working FT, compared to after being laid off, barely changed (ie, hardly anything at all) says a lot.
So here’s my current dream budget, which I’m finally going to post as a kind of motivator – or something.
- Rent – $250
- Groceries – $130
- Gas – $30
- Bills account – $110
– Power $20
– Bus $25
– Phone and internet $20
– Sky TV $15
– Insurance $15
– Car stuff $15
- Saving – $100 (me) – $50 (him)
- Debt (him) $50
- And perhaps another $100 for everything else…fun, clothes, medicine, whatever. (Hardcore budgeting doesn’t really work for me. As long as the essentials get paid, whatever’s left over is fair game.)
This is a pretty conservative ‘dream’ budget – more like a ‘cover it all’ budget. Obviously it would be nice to have more – especially in those last three categories. Right now, my take-home each week after tax and Kiwisaver is around $560 or so (I’m paid fortnightly but budget weekly. I’ve never understood people whooping about 3-paycheck months – but I guess if all your bills are monthly then it makes sense!) – so we’re a long way from managing on one income, even without play money or repaying debt.