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I ’ve remark it a few times that life has been jolly crazy around here late .
Here ’s the run down : I chuck up the sponge my task in April to attempt self - employment . Austin has been a full - fourth dimension student all twelvemonth and drop a few months in an recreational internship .
essentially , we did n’t have an income for the summertime .
I wo n’t pretend that quitting my line of work was the most financially sound decision we ever made . It was n’t . But I was feeling a wad of stress and defeat that was make me not a enceinte person to be around .
I ’ll excuse more later on , but basically , we had extra money saved up and many backup plan in place so we knew we ’d be ok .
At the very least , we knew that Austin would be done with his degree by the terminal of summertime , so we eff he ’d get a salutary job earlier or later on ( fortuitously , he got a job a few week ago ! ) .
Still , we lather our budget back as far as we could and did all kinds of things to make money . If you need to know what our regular budget looks like , appear at my post onour $ 1500 / calendar month budget .
Oh , and just because someone will require to know , we did n’t qualify for food cast or any government assistance because of the amount of money we have in savings .
Our Unemployed Budget: $1200 per month
How We’ve Survived With No Income
We were doing our good to save extra money leading up to when I quit my job .
Also , we had an hand brake investment company that would last a lower limit of six months , though we really did n’t want to use any of it .
We ’ve made money selling books and video game through Amazon FBA .
We also had a cubic yard sale , sold things on a local Facebook resale site , and through a local online auction .
My goal all along was to be ego - employ . I lick on many different agency to do this like it was my full - meter job . I work my tail off .
Austin and I attain a few clients that we put up technological supporter for and Austin work up a website for a local job .
I also put unnumerable hours into this web log and it has started to pay off . I ’ll be share about my blogging income shortly !
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Our Unemployed Budget
Some bills ca n’t be vary . We compensate our utilities on a budget plan , so those are the same every month . Our mortgage did n’t convert either .
We have a good sight on our cell phones , net , and health insurance , so that stayed the same as well . I asked around for better rates on our railway car and home insurance and recover that we were already getting a respectable deal .
Mortgage : $ 410.00
Yes , that number includes tax and insurance policy . We catch a large mess on a foreclosure and have worked firmly to make it nice .
natural gas : $ 33.00
On a budget design , so it ’s the same every month .
Electric : $ 91.00
Cell telephone set : $ 50.00
No saucy earphone over here !
Austin and I are on a folk plan with my parent and we do n’t have any kind of data programme . You ’d laugh if you envision our phones . Austin has a snotty-nosed phone with jumbo , large - print buttons and I ’ve had the same phone for six year !
Internet : $ 52.00
We could n’t give up net because Austin ’s classes are all on-line and I need it for blogging and other self - utilization opportunity .
Car Insurance : $ 75.00
We have one car without a loanword , so we just have to pay up for insurance on it .
Health Insurance : $ 62.00
Because of our low-pitched income , we measure up for a revenue enhancement credit through the Affordable Care Act .
We have a plan with a super high deductible , so it ’s really for just in case of a major emergency .
Credit Card Payment : $ 27.00
My computer all died a few months ago . I got a refurbish MacBook and we finance it on a menu without interest group for a twelvemonth .
We actually have the money to pay this off , but we wanted to keep cash in our pocket until our income went up . We ’ll for trusted pay this off before our interest - free period is up .
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I mechanically deliver money each calendar month for various family ( more on that here ) . When we lost our income , I stop contributing to some of these saving chronicle .
I entirely cease total money to our Christmas , Medical , House , and Giving funds . I ’ll go adding to these categories again now that we ’re making money . Below are the categories that I ’ve maintain contributing to .
cable car : $ 20.00
Oil changes and our plate renewal fee happen no matter what . We ’ve restrain adding to this fund so we could shroud the plain lower limit .
Mozzie ( our frankfurter ): $ 30.00
We lowered the amount keep open in Mozzie ’s fund a small but .
Since he has to go to the groomer regularly and have shots and nub worm meds , we had to keep saving this much .
endowment : $ 10.00
We do n’t expend much on endowment for family , but we still need to be capable to show our family that we care .
$ 10 has been enough to get family fellow member a small , heedful birthday natural endowment . check out out some cheap endowment ideas here .
Water & Trash : $ 30.00
We get a quarterly bill from the city , so we did n’t want to get behind on deliver for it .
Life Insurance : $ 33.00
We pay for liveliness policy once a year . I did n’t want to stop tally to this fund because it would just make a problem later when this bill comes .
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We cut back on our variable expense as much as potential .
We ate out of our deep-freeze and the cupboards . We almost completely stopped break down out to eat . We did n’t buy any clothes or supererogatory “ stuff and nonsense ” . essentially , we did n’t expend money on any sport clobber .
We did still revel the summertime with a bunch of free activeness , like picnics down at my in - law ’s river cabin .
gun : $ 50.00
We actually have spent a piddling more on gas than usual .
We did n’t drive around town at all , but we had to repulse an hour into the city for interviews for Austin multiple sentence .
Food : $ 200.00
I did my best to eat the meat I had saved in the deep-freeze . We also shopped at Aldi once a month to buy in up on necessities .
I useIbottato get money back on our groceries . They even have rebates for fruit and veggies . If yousign up with my referral liaison , you will get $ 10 added to your account when you scan a receipt for your first rebate .
I ’ve even created atutorial for exactly how I savemoney on fruits , veggies , and non - name brand foods .
Toiletries and Household Products : $ 30.00
deplete Out : $ 10.00
$ 10 is enough for us to feed at Sam ’s Club twice .
Since we had to drive to the big city a few multiplication for consultation , it made sentience to have a little money to stop for a meal .
Monthly Total: $1213.00
This is what our budget looked like for most of the summer . It was definitely stressful , but we made it through .
Austin has started a big job and I ’m stimulate a little money from home . I am so happy that we can relax a footling now and get back to our normal budget !
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Be sure to click over to myRecommendations Pageto see some of the ways I economize money , make extra money , learn new skills , and make money with this web log .
If you ’re concerned in start a blog , click over to readwhy I think you should do it ! Plus there ’s atutorialto get you start .
