31 Days To Fix Your Finances, Day 11

31 Days To Fix Your Finances, Day 11: Dividing Up The Rest and Finishing Our “Time Budget”

Okay, today's exercise ...

A) List the 5 short term goals and our debts
1) Complete the Texas Master Naturalist course.
2) Complete Certified Arborist certification.
3) Start a 529 plan for each of the boys.
4) Continue to eat healthful and organic foods and lose this extra 20 pounds.
5) Grow a garden to provide at least 50% of our vegetables this year.
Car - $182.69 Student Loan - $10,425.96 House - $64,684.95 CC (0%) - $615.94

B) Take the leftover hours from yesterday and divide that by 2
Total hours each week = 81.97, hours leftover = 37.93 divided by 2 = 18.965

Half of these hours go to debts (as extra payments) and half go to short term goals.

C) Assemble a big picture to show where all of our hours go:

Mortgage__________ 10.08
Phone ______________1.28
Electricity____________1.37
Gas_________________ 0.27
Fuel________________ 3.20
Water/Trash__________ 0.91
Student Loan_________ 3.29
Car Insurance_________1.46
Car Tags_____________0.29
Inspection Stickers______0.03
Car maintenance_______0.22
Home Insurance_______0.91
Property Taxes________2.74
Maintenance Fee_______0.54
Groceries____________5.49
Kids' Activities_________0.36
School Lunches________0.53
Car Payment __________0.27
Paper Products ________0.18
Gifts________________2.29
Cable _______________2.38
Entertainment ________0.09
Clothing _____________0.30
Eating Out ___________1.09
Medical _____________0.45
Incidentals___________4.02
Credit Card__________18.965
Texas Master Naturalist__1.0
Certified Arborist_______1.5
529 plan____________14.965
organic foods__________1.0
Grow a garden__________.5