This is not a “how to” budget post.
This is a list of items you should consider as you are creating your budget, regardless of what budget method you use.
Why should you have a YEARLY BUDGET LIST when your budget changes month to month or week to week?
Because it will help keep your budget under control and avoid those “OOPS! I forgot that bill was due this month” moments.
I don’t know about you, but every year something ends up sneaking up on me, something that I should have known was going to come out of this or that paycheck (example: car sticker, pet shots, physicals, memberships, etc…) but suddenly we are scrambling to make it work.
Will this list solve ALL my budgeting issues?
NOPE. I am not going to lie. Surprises will still come up (read our first fun surprise of 2016 here.) but it should keep repeat surprises from happening. And the only one who can make your budget work is Y-O-U!
Let’s get to it.
A Comprehensive List to Include In Your Yearly Budget(so you don’t miss a thing)
Please remember, these are items we have thought of at T.T., if you can think of any additional suggestions PLEASE add them in the comment section below. We would love to hear from you, and you might just help someone else stay out of a pickle.
We separated them into broad categories so that you can skip the groups that don’t apply to you.
School Clothes & Shoes
Winter Clothes & Shoes
Summer Clothes & Shoes
PE Clothes & Shoes
School Supplies/Mid Year Replacement School Supplies
School /Sport/Activity Photos
Instrument repair and tuning
Day care- Full-time/Part-time/Anytime
Babysitting- For dates, shopping, work, illness, etc…
Emergency Trips- We keep $5 in change and some spare gas money for any unplanned emergency room or hospital trips
Monthly food, treats,meds, etc…
Monthly treatments (flea, heartworm, arthritis, etc…)
Yearly check up
Supplies: Leash, collar, chain, shampoo
Kenneling or pet sitter fees
State Law Checks
Repairs-New tires, engine, transmission, battery, etc…
Main doctor co-pays
Eye check ups
Around the House:
Furnace/Air conditioner maintenance
Netflix, Hulu, Amazon Prime, etc…
HOA Dues or Homeowner Fees
Repairs or planned changes
Smoke alarm batteries, remote batteries, etc…
Garden plants, seeds, supplies
Yard maintenance (mower, landscaper, drainage, rolling, etc…)
Utilities (gas, lights, water,sewer, etc…) If you fill your gas tank on average, 3x a year, see if you can spread it out of each check and not be broke in the middle of the cold season.
Appliance repair (it is always a good idea to have enough set aside for at least a service call and small repair if possible). It costs much less in the long run, than having to put it on a charge card.
Food- Include extra on the months you know you will be hosting a holiday or party
Supplies- From toiletries to cleaning supplies to light bulbs and vacuum filters
Memberships (gym, clubs, churches, mom’s groups, NRA, Boy Scouts, Music Booster’s, etc…)
Girl Scout Cookies
Giving- (Church, Hospital, Sponsorship, Missionaries, Kick-starter, etc…)
Birthdays- List these and set an amount for each
Anniversaries- List and set an amount for each
Holidays (Mother’s Day, Father’s Day, Easter,etc…) -List and set an amount for each
On-line storage, services, etc…
Holidays or Vacation you take yearly
Fundraisers (Yearly auctions, dinners, tickets, etc…)
Perms, Color, etc…
Season Tickets, etc…
Vacation- Be sure to include rooms, rentals, tickets, meals, gas, pet/house sitter, etc…
Outside storage- for your boat, stuff, car, etc…
Debts: School loan, credit card, store cards, family loan, friend loan, ANY money you owe to anyone not previously listed
Please remember this is just a partial list, and PLEASE comment below with any additional items you may think of.
If you are trying to save, pay off debt or just get on top your spending, feel free to follow our “Ways We Saved & Earned This Week” Series as I share small tips and tricks we have used each week to save. I suggest you read them all, as I try not to repeat myself and offer new ideas each week instead.
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and we will love for you to share this post, as well as leaving a comment below on how helpful you found this list to be.