Quote From: emajsmomI am a stay at home Mom, my husband works but his job is only seasonal so he works for 8 months of the year and is off for 4 months.. How we make it work is when he is off of work he gets EI * employment insurance* now I sit down and figure bills over 900 time in the run of the month and pinch to the end of it..
I figure on what he was getting last year at the same time and I divide our bills in half for the month or roughly.. I take the amount he gets and give him certain bills to pay .These amounts are rough estimates but close to the real ones.
Example: Husband 498/ bi weekly .. so that is 996 a month .. *canadian* These are amounts for a Month-
Loan payment-335
Car Ins-64
Cell Phone-50
House repairs-100
Gas-120
Van repairs- 50
Dentist-100
now that leaves him with 176 left over for the month that he can use for clothes, to help with groceries, stuff for the kids etc...
My half of the budget is made up because I get the CCTB* Family Allowance * and the UCCS *child care supplement* i am a stay at home mom, I've recently looked into working from home and things such as selling avon so that I could supplement things for our family, as it stands to get childcare for 3 children ranging in age from 4years to 8 weeks it would run me approxiamately $50 a day , then by the time I travel to work because we live in the country it would take another $100 for gas a week and by the time they take out taxes from paycheck.. I wouldn't have any paycheck.. so in my case staying home with my three children is further ahead for me..
So from that I cover - cell phone-60
House phone-150 * trying to get it cought up*
Groceries-400
Satillite-100
Med&Dentist-100
Butcher- 100
Kids-100
Savings& Extra-128
I have a binder I write everything down in every penny that we spend to keep track of.. the envelope method works .. I personally use Mason jars and put it in there... and If we run out of money before the end of the month happens then thats how it works we have to learn.. My husband was and for that matter still is the type to spend now think about it later.. But i'm getting him used to the other way SLOWLY!!... He was raised and never had to worry about money never learned to budget nuffin if he wanted it and didn't have the money his parents would buy it for him, my upbringing was different , my parents both worked but had bills to pay and as my brother and I got older we received clothes and we could pick one large gift if it was over $200 it was one gift to split for the family, like the year we got our computer..
With Christmas coming and three small children what we are doing is buying things they NEED.. such as clothes.. and they will each get one toy .. we do the idea of three gifts from mommy& daddy.. three gifts from santa.. We only buy for my mother/step father, mother in law, my brother, his sister and my grandmother.. they are the immediate family.. for the rest I usually get a picture of the kids taken and buy one package then make several copies in wallet size and give them to the rest of the family and friends with their christmas cards... I have step brothers and step nephew, step sister in laws but I don't know any of them that well so what we have talked about doing for them is when i do my christmas baking is just get a couple decorative tins from the dollarstore and fill them and give them as gifts tot hem.. I would be making them things anyways so to stretch it a lil further isn't that difficult.. My mom and grandmother and brother always buy the kids lots and so does my mother in law so their christmas will still be good just a lil smaller than years before, because I used to work but with three kids child is just too expensive so in a way I am saving us money..
My biggest tip is you just have to sit down and crunch the numbers and figure things out.. Sure I don't know if my husband's EI is gonna be going in time for christmas so I though ahead and we put money aside for his bills, and i already applied to our local food bank for a christmas box as I know if i need to cover everything plus gifts i won't have much money and that would be extra to help us get by and a lil extra in the cupboard.. Our butcher is a friend of ours, I can get all my meat and seafood from him and charge it and pay him once a month i budget for a $100 for him but if i do something like order from him a half a side of Pork then i know its gonna be a little more but that means that I don't need to purchase that for up to 6 month so its further a head for me.. besides he has deals and i usually get better prices than some people.. I figure ways around things, like my husband works in the agriculture industry on a vegtable farm, so while he was working whatever he brought home that could be canned or frozen in the freezer I did up and frozen or canned so that is less I will need to buy during the harder months, we got our Potatoes all ahead , and squash, sure your kids might not like everything but they will learn if you keep giving it to them a little at a time.. eventually they will get to eating it..
and for all of you since you obivously have access to a computer..
USE FREECYCLE in your area, this is a great place to get clothes, furniture, things that you can use as gifts, EVERYTHING and its free al you would need to pay is your gas to go pick it up.. its a free service so use it. thats why its there.. I have gotten many things for my children this way from toys to clothes to my daughter's new bed was from freecycle.. You just make do with what you have and what you can get for as little as possible.. Your debt if you have a little extra left just slowly work to paying that off.. Remember no one can refuse a payment even if its $10 its still $10 that is paid on it.. eventually you will get better at budgetting and you will be able to put more towards that debt.. you just work on it.. and realize that worrying 24/7 won't do anything you have to act on it..
Cryssie