So I am expecting a COLA and a raise in January (late Jan for the raise, cola on the 1st) I had worked out a rough budget and was so excited to have more money to throw in my IRA.
Come to find out last week, they are raising our health insurance premiums as of Jan 1. For me, thats $90/month MORE. There goes my pay increase, they give it to you at the front end and take it out the back end. I was SO *ISSED!
So I've resolved to squeeze 90 bucks out of my budget somewhere and its going to have to come out of the food budget. I just figured out today (duh moment) that I was lumping gasoline and blow money in with my food budget amount. I'm going to separate gas and blow out from food so I have a better idea what I'm spending, and decrease my food budget by $25/week. I've already started last week, I only spent $75. Thats for two people, we live in a high cola area and eat alot of organic food.
I'm not exactly sure how it will all work out until both raises kick in as they take out the health ins. pre-tax and the cola post-tax but I've got a plan.
I'm bound and determined to make this work.
Come to find out last week, they are raising our health insurance premiums as of Jan 1. For me, thats $90/month MORE. There goes my pay increase, they give it to you at the front end and take it out the back end. I was SO *ISSED!
So I've resolved to squeeze 90 bucks out of my budget somewhere and its going to have to come out of the food budget. I just figured out today (duh moment) that I was lumping gasoline and blow money in with my food budget amount. I'm going to separate gas and blow out from food so I have a better idea what I'm spending, and decrease my food budget by $25/week. I've already started last week, I only spent $75. Thats for two people, we live in a high cola area and eat alot of organic food.
I'm not exactly sure how it will all work out until both raises kick in as they take out the health ins. pre-tax and the cola post-tax but I've got a plan.
I'm bound and determined to make this work.