Tentative Budget

Goals for the next year:   1.)    Pay down as much debt as I possibly can!!! 2.)    No unnecessary new clothing/misc purchases (i.e. my husband can wait on the new carpet shampooer) 3.)    Stay organized (this is key to accomplishing my goals) 4.)    Take this challenge one day at a time 5.)    Keep and stick to a budget!!! 6.)    Make at least $600 from second job each month to put towards debt 7.)    Do NOT incur any additional debt     Tentative Budget   First job - $675 bi-weekly   Car Payment - $280 Gasoline - $90 Lunches - $50 Groceries - $205 Tax Savings - $25 Misc Savings - $25   Anything over $675 will be put towards misc savings.  Misc savings is a temporary savings account or a “holding place” for things we’ll need eventually.  Tax savings is just what I want to hold out for the next year’s taxes.  Since I have two jobs now, I know our taxes will go.  I could adjust my holdings but I’d rather put the money in a savings account and earn whatever interest I can.   Second job - $375 bi-weekly (this will probably be more but I want to be conservative)   Tax Savings - $25 Misc Savings - $25 Debt Repayment – Any remaining $$, hopefully at least $300   Like I said, this is a tentative budget.  It might change based on what I find out about our family’s spending habits.