Our net worth for June skyrocketed due to settlement with Bank of America. It went up a total of $8,417, though our savings were wiped out from it. Well worth that feeling of a little more freedom. Our budget for July consists of the following:
$1400 Rental Income
$2700 Day-Job Income
$100 Misc Income (Keeping estimate on the low end)
$990 Mortgage (going up in August to $1150)
$300 Auto Gas (On the high side, in July we used only $240)
$145 House Gas
$40 House Phone
$158 Cell Phone (Yes, I know, it's high)
$95 Life Insurance
$255 Ticket (didn't wait long enough for a crossing guard to ok my turn on a green light)
$1400 BofA (carry-over, utilized 7/1 day paycheck to take care of full bill on 6/30, I know bad idea but my paycheck cleared early due to 7/1 being a Sunday).
$547 Emergency Fund
One major thing missing this month is our tithing. We really need to build up that emergency fund again, so I am willing to delay tithing for a short period of time (just July) so that we can get it built up. I'd hate for us to have a financial problem and having to go to the church again for help. In the past year they helped us with getting our water line replaced and turning back on our electricity.
Other minor items missing is our fun money, our dining out money, as well as money for car maintenance. In August those items will be reinstated, but July is going to be buckle down and have free fun together at the library or parks or in our growing garden.