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How I Budget

October 14th, 2013 at 12:18 pm

It's interesting that so many of us track our spending in so many different ways (envelopes, cash, spreadsheets, etc.). I keep my budget on a spreadsheet. Gas, groceries, household goods, gifts, and entertainment have a designated debit card. I simply transfer the same amount each week to that card (I also earn 1% back on this card that makes a payment to my student loan each time I accumulate $15 or more).

I have a regular budget of $115 per week for the items listed above. This is $500 per month which probably seems low for a family of three. However, I am very frugal, a homebody for the most part, and I also supplement with the gift cards I earn from Swagbucks (several of the household goods and gifts throughout the year). I never have to worry about going over budget since the weekly transfer is the only money on the card.

1 Responses to “How I Budget”

  1. momcents Says:


    I run our household of seven plus pets on roughly $125 a week. I think it can be done and I'm finding that I actually spend less than that when I have a stockpile to use and replace as sales/coupons allow.

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