budget busters

**ladykemma2** · 11-27-2008, 09:31 AM

i just sat down and tweaked my sinking fund/ freedom accounts for the budget busters for the past year or so. these budget busters caused my accounting to be messed up and caused me to dip into subaccounts or do "creative budgeting".

i added a line item for office supplies $500/12
office holiday parties $100/12
stamps $100/12
ren faire $240/12

office supplies, especially, were killing my pocket money.

**MomToTwoBoys** · 11-27-2008, 11:01 AM

I really need to get a sinking fund going. It's been hard to budget it in in the last few months, given that from August to December is financially rough on us. It's not so bad this year, but it's still not enough to make me feel comfortable with starting a sinking fund.

I made a list for ours and it's pretty huge, which is why I think I'm being scared off by the fund itself. It mainly includes school supplies, birthdays and holidays but also includes a replacement fund for both computers. It also needs to include a new furnace and a new roof, which frightens me because that's at least 12k right there.

**ladykemma2** · 11-27-2008, 11:14 AM

Originally Posted by MomToTwoBoys

I really need to get a sinking fund going. It's been hard to budget it in in the last few months, given that from August to December is financially rough on us. It's not so bad this year, but it's still not enough to make me feel comfortable with starting a sinking fund.

I made a list for ours and it's pretty huge, which is why I think I'm being scared off by the fund itself. It mainly includes school supplies, birthdays and holidays but also includes a replacement fund for both computers. It also needs to include a new furnace and a new roof, which frightens me because that's at least 12k right there.

yes, it is huge. my "updated as of today" freedom account is 610 put aside every two weeks. for me, it realizing that i have much less money than i thought.

do you need any help with this? pm me and i can share the spreadsheet budget. edited to add: i couldn't do the freedom account unitl my debts were paid. there simply wasn't enough money.

**MomToTwoBoys** · 11-27-2008, 11:47 AM

Originally Posted by ladykemma2

yes, it is huge. my "updated as of today" freedom account is 610 put aside every two weeks. for me, it realizing that i have much less money than i thought.

do you need any help with this? pm me and i can share the spreadsheet budget. edited to add: i couldn't do the freedom account unitl my debts were paid. there simply wasn't enough money.

Maybe once we get the debts paid off, I'll take you up on that offer. We're sinking about $500 per month into debts and if we didn't have to do that, the fund would be completely possible. I just don't want to stretch the debt repayment plan out any longer than necessary or put us into a really large bind.