Budget Update

So one of the fun things about getting legally married already was finally combining our finances and coming up with a budge for our combined finances. (Can you hear the sarcasm there?!?) Well anyway September was our first month on our budget.

Things we learned: (1) it actually doesn't take that long to enter our expenses (15 minutes last night for the first half of this month). (2) We don't spend as much on food as we thought - or we did really good on cutting down our eating out when we consciously tried. (3) our pets are expensive (still underbudgeting that so far this month!). (4) a lot more unplanned expenses come up than we thought.

Overall we were $150 over budget (this includes attempting to save around $1100). Not bad for our first attempt. It looks like we're not going to do as good this month thanks to me planning last minute trip to Tampa.

The software is really easy to use. We don't try to have it automatically enter anything using our banking data because there is so many things on our cards that go on other expenses (Ben's business, things for work that I get reimbursed for) so I can't judge how good it is at that but I would recommend it! YouNeedABudget.com (YNAB)