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Things have been hectic around our place lately, and it’s starting to feel as though I’m running on a hamster wheel! Wake up, gym, kids, daycare, work, marriage, clean the house, cook dinner, blog, home improvement projects, social commitments, more snacks… phew!

I Am Exhausted.

On the bright side, the extra day I have been working each week has been a nice little boost to our income and I only have another month until I’m back to my usual hours and balance can be restored to our lives. And maybe the kitchen will finally get a deep clean. Maybe.

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Anyway! September is here! Can you believe it? I’m keeping my eye out for the first Christmas decorations of the year, and I’ve already started my holiday shopping list (which will fit within my Christmas Budget, of course!).

This month will likely be the last sane month before the end-of-year craziness truly hits, and I plan on making the most of it. To start off, I’ve whipped up my September Budget – and yes, I’m switching from fortnightly budgets to monthly budgets.

A Quick Review of My Last Budgeting Method

I liked the paycheck budgeting method I was using previously but found the repetition and fast turnaround was not for me. I want a budget I can set up and keep an eye on, making small adjustments here and there as our situation changes. I’m a little too time-poor for a budgeting system I have to design from scratch, manually track, and close out every two weeks. Sorry, Budget Mom!

One aspect I will be keeping, however, is the cash envelopes. They are so darn cute, and paying for things in cash has definitely helped me curb my impulse spending! I was having huge difficulty tracking what I spent in Goodbudget, but I’ve recently started putting the receipts from purchases into the relevant envelopes, meaning I never miss an expense!

With that out of the way, let’s get into my September Budget!

September 2019 Budget including categories and budgeted amounts.

Grand Total: $8,564 for the month.

A Few Notes About September:

  • That enormous rates bill is part of moving into our new place. We put money towards our rates fortnightly to keep the bill-shock down, but this due date came up sooner than expected. We may need to dig into our savings to cover this one. 
  • This budget is based on my husband and I earning our base wage each month. If we earn extra cashola (like I do while I’m working an extra day each week), that money gets split: 80% to our renovations savings account, 20% to our spending account. 
  • I work towards a zero-based budget each month, meaning every dollar that we earn will be allocated somewhere.

Overall, a do-able month. Although the total of that bill is SCARY! As my renewals come up I will be shopping around for a cheaper deal – those big lump sum bills can be a real shock to the budget.

I definitely have some work to do regarding bringing some categories down. Groceries are always a big one for me, and I’ve been looking at ways to decrease our grocery budget for months! A big part of that grocery budget is nappies, but we are in the process of toilet-training our daughter so hopefully that recurring cost will be reduced in the coming weeks. Wish me luck!

How are you doing with your budget this month? Need help starting your own, or already a master of the coin? Also, comment below with any tips for reducing my grocery budget. I would love to hear them!

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Emily

Hello! I am a money-loving, budget-building, productivity whiz from sunny Queensland, Australia. I am a mum to two babies and spend my limited spare time implementing ways to make my work/home/mum/wife/life balance that little bit better.
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Author: Emily

Hello! I am a money-loving, budget-building, productivity whiz from sunny Queensland, Australia. I am a mum to two babies and spend my limited spare time implementing ways to make my work/home/mum/wife/life balance that little bit better.

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