Its that time of year again to start plotting, planning and praying on my 2014 budget. I've been reviewing bills, making changes to reduce them where possible and generally looking at everything with an eye to the new budget.
We've changed TV carriers which will reduce our bill by $30 to $40 for 2014.
I've changed my medical insurance policies which will save me $62 + $25 each month and potentially more minus $147 per year new deductible.
I've not renewed several magazine subscriptions.
I keep close track of our spending on a monthly basis so I'll average the year for each catagory and use that as a starting point for the new budget. Then I'll factor in changes up or down that I know are in the works for 2014 and hope/pray it all works out.
I've picked up some extra income this year by continuing to go into the office to train but that's pretty much at an end. I'm thinking after January's special reports I'll not be going in again so no extra income for 2014.
I'm open for any ideas or suggestions.
We've changed TV carriers which will reduce our bill by $30 to $40 for 2014.
I've changed my medical insurance policies which will save me $62 + $25 each month and potentially more minus $147 per year new deductible.
I've not renewed several magazine subscriptions.
I keep close track of our spending on a monthly basis so I'll average the year for each catagory and use that as a starting point for the new budget. Then I'll factor in changes up or down that I know are in the works for 2014 and hope/pray it all works out.
I've picked up some extra income this year by continuing to go into the office to train but that's pretty much at an end. I'm thinking after January's special reports I'll not be going in again so no extra income for 2014.
I'm open for any ideas or suggestions.