It’s a new year and a lot of us are re-vamping (or starting) our budget. Budgeting can be overwhelming if you don’t go into it with some kind of game plan.
When you sit down to make your budget, first decide why you’re making it. Is it to get out of debt, go on a family vacation or simply to be a good steward of your money? When you have a goal, you can refer back to it every time you consider purchasing something outside of your budget and remember that you’re saving for a higher purpose.
Monthly Expenses:
First, you need to have a realistic idea of what you spend each month by adding up all of your expenses. Don’t forget to consider big expenses that may not happen on a monthly basis like car taxes, insurance payments, etc.
If you need some more help getting started on this part of budgeting, download Dave Ramsey’s FREE Guide to Budgeting.
Housing (Mortgage/Rent, taxes, insurance):
Grocery purchases:
Household purchases:
Medical:
Childcare:
Transportation (car, gas, insurance, tax):
Utilities:
Electric & Water:
Phone & Internet:
Cable & Entertainment:
Clothing:
Savings:
Charity:
Debt Payments not mentioned above:
Miscellaneous:
Total Spent:
Budgeting isn’t easy. It forces you to look at your needs vs. wants and maybe make some cuts in your lifestyle. If you’re curious how much of your family’s income should go to what, here’s how much the gurus say you should dedicate to your expenses:
Charity: 10%
Housing: 30%
Utilities: 5-10%
Food & Household: 10%
Clothing: 2-7%
Transportation: 10%
Medical: 5-10%
Miscellaneous: 1-2%
That hopefully will leave 13-23% that can go into savings or paying off debt.
So, say you make $45,000 a year after taxes. That is $3,750 per month.
You budget would look like this: Read More→
If you’re looking for some new Converses, here is a deal for you. Right now you can get 50% off select styles, including high tops, low tops, clothing and more!
The sale includes items for men, women and kids, and prices start at just $14.97.
Deal Ideas:
Deal valid through 1/20. Shipping is free with Nike+ account, or with orders of $50 or more.
See more online shopping deals!
Have a favorite hymn you have always wanted framed? Today only, Jane.com is offering beautiful cherished hymn prints for only $3.49 (reg. $14.99)!
You can choose from 8×10 or 11×14 inch sizes.
Shipping is $3.25 for the first item and 49¢ for each additional item.
Offer ends today, 1/13.
See more online shopping deals!
Have you printed this $4 off coupon yet? If not you shop hop to it. Don’t forget to take your vitamins…
Coupons powered by Coupons.com
Head to Publix to get a stock up deal on big 150 count bottles. You’ll find the new $3 off store coupon online to print or look for a new Purple flyer in your store. They are on sale this week through Tuesday or Wednesday (depending on your area).
Note: This coupon is set to go away on 1/14, so don’t wait to print it if you want it!
Publix Deal
- Centrum Multi-Vitamins, 150 ct., $14.99
currently on sale $5 off wyb (2)
-$4 off Centrum product, 60 ct.+ printable
-$3 off Centrum or Centrum Silver, 150-220 ct. or Caltrate, 150-200 ct., (Publix Coupon), Health & Beauty flyer
(buy (2), use (2) $3 off store and (2) $4 off, makes it $5.49 ea.)
Here are a few great clothing deals you’ll want to grab from Walmart. Get a maternity jacket and kids animal hoodies for just $5!
Walmart Deals:
Faded Glory Maternity Lightweight Bubble Jacket – $5 (reg. $12.88)
Miss Chievous Girls’ Plush Fleece Character Hoodie – $5 (reg. $8.88)
Prices can change at anytime. Shipping is free with a $35+ order or you can opt for in-store pick up if available near you.
See more great online shopping deals!
Get great deals today with printable coupons! Save on Pillsbury, Philadelphia cream cheese snack and more. Plus print new coupons for Ripple, Prilosec and more below!
Remember, for most coupons you have up to 30 days once you print your coupons and they can each be printed twice.
Coupon Deals
-$1/3 Pillsbury refrigerated baked goods printable
makes biscuits, crescents and cinnamon rolls just 56¢ each at Walmart
-$3 off Robitussin Adult product printable
makes it $1.29 today only at Publix
-$1/2 Philadelphia bagel chips and cream cheese dip printable
grab this yummy snack for just $1.17 at Kroger
-$7 off Nexium 24 HR, 42 ct.+ printable
makes a 42 count box $16.99 at Kroger
-$1 off Purell hand sanitizer, 8 oz+ printable
get some hand sanitizer for 99¢ at Publix
-$2 off Huggies diapers, excl 9 ct. or less printable
makes a pack of diapers just $2.19 at Kroger
-$1 off Palmer’s product, excl lip, trial size & protein packs printable
makes cocoa butter lotion $2.59 at Publix
If you’re running low on toilet paper, check out this Amazon deal on Cottonelle. There is a 20% off coupon that you can clip, plus make sure you choose Subscribe & Save. This is a fun deal especially if you prefer not to use paper coupons!
Don’t forget you can cancel your subscription at any time after your order has shipped. This makes 24 Mega rolls $17.21 or 17¢ per single roll.
Deal Idea:
Buy:
Cottonelle Ultra Comfort Care Toilet Paper
Bath Tissue, 24 Mega Toilet Paper Rolls
Clip 20% off coupon
Choose Subscribe & Save
makes it $17.21 (17¢ single roll or 71¢ mega rolls)
Prices subject to change at anytime. Shipping is Free.
See more Amazon deals.
My favorite deal I saw this week was the deal at Rite Aid for Huggies for only $1 per pack. Check out the rest of my favorite deals from this week.
Google Play 99¢ Movie Rentals for Select Customers
BOGO Rimmel Coupon: Free Mascara
Rite Aid Huggies Deal: Diapers for $1 per Pack
Women’s Leggings for $13 Each + Free Shipping
CeraVe Coupon: Baby Products for 99¢
Heads up Food Lion Shoppers:
Make sure to head over to FoodLion.com or to open your Food Lion App and activate their Playoff Payoff Rewards in your account.
As you shop over the next month you’ll earn $5 back in rewards for every $30 you spend on participating items throughout the store. Rewards are saved straight to your card and come off the next time you shop.
They will track across every trip, so you don’t have to worry about buying right at $30 each trip!
There are a few items on sale this week, so stack the sale, coupons and rewards. See all the current deals at Food Lion.
A Few Playoff Payoff Deals This Week:
-
Freschetta Pizza, 20.28-30.88 oz, $2.99, limit 4
Friday to Sunday only
Playoff Payoff participating item
-$1 off Freschetta Artisan Crust, Brick Oven, Naturally Rising or gluten free pizza, 14.5 oz+, SS 12/10 (EXP 1/14)
-$1 off Freschetta Frozen Pizza, limit 5, Ibotta App mobile coupon
-$1 off yellowtail and Freschetta bonus, when you redeem the yellow tail and a Freschetta Frozen Pizza offer, Ibotta App mobile coupon
(use $1 off and Ibotta, makes it 99¢) - Frigo String Cheese, 6.32-12 oz, $2.99
Playoff Payoff participating item
-.50/1 Frigo Cheese Heads Snacking Cheese item, 8 ct+, Food Lion eCoupon
-.75/1 Frigo Cheese Heads Wisconsin Snacking, 8 ct+, Food Lion eCoupon
(use .75/1, makes it $2.24) - Dannon Greek Yogurt, 5.3 oz, $1
80¢ with in-store coupon, print at kiosk
-.50/1 Dannon Light & Fit Greek yogurt with Zero Artificial Sweeteners, 5.3 oz cup, limit 5, cannot use this offer with any other print or in-app coupon, Checkout 51 mobile coupon
-$1 off Dannon Activia items – (5) single serve drinks, (2) regular or Greek 4-pk, (1) Dailies probiotic drink 8-pk, or (1) 12-pk, SS 01/07
-$1.25 off Dannon Light & Fit Greek Yogurt with Zero Artificial Sweeteners, 5.3 oz single serve cup, Ibotta App mobile coupon
(use Ibotta, makes it FREE) - Jimmy Dean Roll or Fully Cooked Sausage, 9.6-16 oz, $2.50
Playoff Payoff participating item
-.55/1 Jimmy Dean Breakfast item, excl single serve sandwiches, RP 01/07
-.75/1 Jimmy Dean frozen breakfast item, excl single serve sandwiches, RP 01/07
-.75/1 Jimmy Dean fully cooked refrigerated item printable
-.75/1 Jimmy Dean Fully Cooked Refrigerated item, Food Lion eCoupon
(makes it $1.75) - International Delight or Dunkin’ Donuts Creamer, 32 oz, $2.50
Playoff Payoff participating item
-.75/1 Dunkin’ Donuts coffee creamer printable
-$1 off International Delight Coffee Creamer printable (limit reached)
(use $1 off, makes it $1.50) - Nabisco Snack Crackers, 6.5-9.1 oz, $2.50
Playoff Payoff participating item
-$1.50/2 Nabisco Cookie or Cracker Products, 3.5 oz+, Ibotta App mobile coupon
-.75/2 Nabisco cookie or cracker products, 3.5 oz+, SS 01/14
(use .75/2 and Ibotta, makes it $1.37) - Dannon Light & Fit or Activia Yogurt, 4 pk, $2
Playoff Payoff participating item
-$1.50 off Dannon Light & Fit with Zero Artificial Sweeteners regular, 4-pk 5.3 oz cups, limit 5, cannot use this offer with any other print or in-app coupon, Checkout 51 mobile coupon
-$1 off Dannon Activia items – (5) single serve drinks, (2) regular or Greek 4-pk, (1) Dailies probiotic drink 8-pk, or (1) 12-pk, SS 01/07
(makes it 50¢) - Pringles Potato Crisps, 4.9-5.96 oz, $1.50
Playoff Payoff participating item
-$1/2 Pringles full size cans, incl LOUD, 146-g+ (850 points) printable
-.40/2 Pringles products (unlock offer), on same receipt, 1.3 oz+, limit 1, cannot use this offer with any other print or in-app coupon or rebate, Checkout 51 mobile coupon
(use $1/2, makes it $1)
