spendign rules

Everything is based on inflation rider:

Personal Money:
- anything that is not a food. business expense, anything that is not necessary, Travel comes out of travel fund however once it is used up extra comes out of personal money., home renovations come out of home renovation fund unless we both can't agree to do them


Tools that are business expenses are justified if you need them for a job that we can see saving money at the time or recoup the cost within 3 years. If you lose a tool you already have and you have to buy a  replacement it comes out of your personal money.

every month we do not have debt husband gets 200 dollars extra for personal money. Any extra work you do in the winter beside manure 50 percent gets put into personal fund after cost however your max is 10 hours a week you make by working not your guys this only applies if we are debt free except for mortgages. 10 hours averaged over 14 weeks. if have to pay someone to work in winter because you are not there due to vacation or being lazy the money comes out of your personal money.
baby fund: 500 year until we are pregnant

once we get money from overdue Jim it goes to credit husbands account for tool box (1070) plus it goes towards the computer we brought in advance and it pays for the welder up to 1500 dollars. Anything over 1500 comes out of husands account, anything under 1500 goes back into personal fund- excluding welder use products, however if machine needs repair within year from purchase it comes out of his money.

filling kegerator is 50/50, however no beer can be wasted.  If we run out of a certain kind of liquior and u produce the empty bottle then its 50/50 out of husbands account unless I buy it then it comes out of mine.  However it is considered a food product if used for cooking  a meal.


Wine is a hobby comes out of personal money and everything to do with it is a hobby except if u make it from the grapes the add in ingredients do not come out of personal.
guns are a hobby.
muscle car hobby and related tools related use for bonofide business expense is recredited however must be justified and not ohhh I can use.

3 percent inflation increase per year unless we have any kind of debt other then mortgages on everything in this contract.

50/50 of alcohol at a restaurant is personal/ 50 perceont  is food however any other achohol is out of personal if it is not coupled with a meal.

all gifts must be agreeded upon dollar amount. as listed below

Weddings:  what that person gave us or 100

Birthdays: 25 dollars

Christmas: average per person 25 dollars

special events: 50 dollars (retirements, graduations, baby showers, wedding showers)

any extra spent in any category comes out of personal money

Tv is personal expense.
solo vacations are personal expense unless we agree to take out of vacation fund

entertainment is personal money or vacation fund it comes out of.

expenses over 200 dollars must be discussed with other person unless business expsnse however does not include farm

5,000 on farm a year includes upkeep of barn, plants, paying guys to upkeep it etc. unless comes out of farm


pole barn comes out of personal money (must save up) unless you can find a way to profit from it and make extra-

wedding business must show you can make a monthy income of 3,500-4,000

50 pecent of boat costs come out of craigs personal- a new boat comes out of craigs personal unless we have emergency fund, cash, and are contributing fully to retirment. 

almost 6 month budget summary up to June 15th

total spent from my personal fund (june 167.50) 1256.70
husband personal fund (85 june so far) 2415+ 950 for 2 generaters = 3365
food: 2754. 50 ( this does not include any of junes spending for food) so we are averaging $550 a month for food- think this is too high- but we eat out a lot which I am having trouble changing.
home improvements 4868 almost all patio and grill except 650 of it
farm 674 (don't think this includes cost of our fruit plants but need to look into that)
Other household expenses:
Dog expenses:
Gas me: 657.50 (didn't include june)
Medical: $285

How we got over 700 dollars worth of plants for $25

A store we frequently often offered to give the husband clearance plants at a markdown of 75 percent to 90  percent off whenever he wants them because they know he is a landscaper and i guess they just want to liquidate their clearance plants (typically plants that are not as healthy as they would like, or have been sitting unsold for too long) Anyways yesterday when we were in there I was like lets look at the clearance stuff since I wanted to plant some flowers out front. We picked out some and when the husband talked to the manager about the discount he said we could have a whole rack for $25. They were those huge racks. We got like 15-20 silver water cans with flowers in them, about 8-10 pink hydrangeas., a bunch of annual flats, about 5 pots full of flowers, a hanging basket, some marigolds and some other various plants. our front yard is going to be filled with flowers.

Some of the plants will be used for one of the husbands clients the rest will go in our yard. 

To do list for small home improvement projects

1. put outlet covers in master bath
2. finish taking staples out of stairs
3. finish taking staples out of upstairs hallway closet
4. outlet covers in dining room
5. finish painting front door- done
6 paint bathroom door
7. put door knob on bathroom door done
8. put gutters up where dog took them down
9. change knobs on kitchen cabinets
10. put up new kitchen light
11. change out sink faucet in kitchen
12. hang up toilet paper holder in downstairs bath
13. hang up curtains in spare bedroom

ebay update

total money made from selling stuff on craigslist from garage sales/or found on side of road: $120- already in budget


cross stich kits 5
Total money made from ebay: $61- not on budget page yet


I think I should stick to side of the road finds and garage sale finds for posting on craigslist since I have been making much higher profits and I so far am finding ebay not worth the effort of only making about 5 dollars an item on average.

Garage Sale and Clearance Finds

Today at garage sales I got:
1 kids rocking chair 1 dollar
2 picture frames 25cents and 50 cents
car play rug to resell 1 dollar
kids tent/tunnel never used 2
kids matchbox cars 12 at 10 cents each

At TJ MAX I got:
faux leather nail head chair for 90 dollars marked down from 250
shirt for 6.99


1 dollar rocker before and after we had the stain in the garage

 chair found for free before and after with same stain

 

90 dollar chair

 picture frame spray painted red with spray paint from last weekend

Ebay sales

sold three things last week but only 2 have paid so far  

a super why toy I got a garage sale for 1 dollar I sold for 14.99 plus shipping
and a Burt Bees Kit I had laying around I sold for 5 dollars plus shipping, so I made almost $20 dollars in profit since the shipping was less then I had guessed it to be. I haven't had much time to post a ton on ebay due to the business being so busy this time of year.
Total money made from ebay: $55.50

I also sold a high chair- (got off the side of the road- free) for $20 and we sold a Crib (kind of got off the side of the road long story) for $20

June Budget

 Food
12- lunch
17- dinner
5- lunch
25- lunch
7- dinner
8- dinner
17 ice cream
12 subways
pizza 31
discount grocery 37
discount grocery: 25
grocery 30
oil 17 
dinner out 36
bread, rolls and coffee at convience store 5
grocery store 17
husband dinner 15
husband pizza lunch 6
me pizza lunch 4
date night 44
breakfast me 2
grocery shopping- discount grocery, dollars store, regular grocery 110
husband coffee colata 5
subway 13
grocery store meal deal 20 
drink husband 1
drink me 1
friendly 44
kfc 17
deal site 20
bbq 9
gummy worms 1
husband lunch 8
dinner 13
food out 10
grocery store 54
total:706

gas 50
gas: 60
gas 55
total: 165

other
shampoo and facewash 13
plunger 5
health 15

 My personal:
10- ebay stuff at garage sales
2- mirror
4- spray paint
-20 money made from sale of high chair
 Consigment shop 7.50
garage sales       6.20
TJ Max:         $106
American Eagle: $31
-$85 dollars  aale of double jogging stroller and car rug and play tent got at garage sales
rug: 106 
garage sale mirror: 6
-8 sold toy
40- clothes 2 pair of pants vs
garage sale -25
chair and table set 50
spray paint 12
fabric and stables 15
Total spend: 257.70

health stuff 100

Husbands personal
4- boat parts
15- boxers 
hitch for boat 10
-20 money made for sale of crib
25- forgetting to pay the time warner cable bill he got late charges
boat parts 3
movies 9
movies twice: 22
video game 32
moves 11
computer game points 33

dog stuff
for his foot and pigs ear: 25 
6-month flea medicine: 67
vet bill: 287

Home improvement:

outdoor patio block- 1100
outdoor patio block grill kit 2500
column: 230
cap: 40 
fire pit:325
total:  4195
This was all clearance stuff husband got- personally we already have a deck and I would rather not spend money on all this patio, outdoor area stuff when we already have a perfectly good deck however he really wanted it and since we have made a lot of home improvements I have wanted I felt the need to give in- we will not be taking down our existing deck just putting a patio next to it and there is still potential we could sell some of this stuff instead of using it for us. We will see what happens. We will not be able to do this project right away because he is working 14 hour days about 6 days a week trying to keep up with all his clients landscaping, but he said they do not clearance stuff off often so this was a way for him to get his patio stuff for a lot cheaper then normal and most with at or below cost. The grill is the part that is really getting to me seems super high it is a grill with blocks and a countertop- i guess hopefully that can be moved with us if we ever move.
It looks like this except ours is a different color block.
plants: 25-10 (used for jobs)= 15
outlet covers and tool for getting nails out 8
 


Bill stuff we didn't pay close enough attention on:
185- interest on credit card- just discovered this today but happened a couple of months ago I will be watching to make sure we pay off in full each month closer now because that charge makes me mad because we had the money.


farm
labor: 100
topsoil 200
topsoil 200
rock 240
plants 48