how much should i budget every month

Our Monthly Budget Report for November 2016

Does budgeting ever get easier? I’m not sure. I mean, I hope so. That’s why we’re working so hard to get our debt paid off – that will free up money to spend on fun things!

This month was another rough one. I suppose that’s to be expected with the first holiday of the season here: Thanksgiving. Plus, we had a few unexpected repairs and expenses that put our spending over budget for the month.

We’re having to make up for it now, in December.

And that isn’t fun.

But it’s a necessity if we want to stop living on credit cards! So, that’s what we do. All in all, we spent $540 MORE than our income in November. Which means we have to spend $540 LESS than we’ll make in December to make up for it.

At Christmas time, it is going to be especially rough to trim our expenses. But we’re determined to get out from under this debt. Sigh.

Here’s how we spent more than we earned in November:

We even used the envelope system this month to help us stay on track. Turns out using cash doesn’t do much good if you just whip out the plastic (debit card… we cut up all of our credit cards so we’re not tempted to use them) to buy stuff when the cash runs out.

What tips and tricks do you have to curb spending around the holiday season?

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Amy Beardsley, the driving force behind Marvelous Mrs, loves personal finance and productivity hacks, Netflix, and everything chocolate. You can check out her favorite money-tracking tool Personal Capital and visit her copywriting business, too. Thanks for reading the blog!


  1. Sara
    December 15, 2016

    Great break down, thanks for sharing! It’s fun to compare numbers-I’m very envious of your low mortgage payment (ours is $1,000 a month with escrow/10 years left-though we’re in the process of moving and this will get reset to a 15 year with a slightly higher payment).

    As for groceries-do you have an Aldi nearby? We’re a family of 5 and have a weekly cash (Dave Ramsey lol) grocery budget of $100, Aldi is a lifesaver!

    And I hear ya on student loans-I went to college and hubby didn’t-he’s now the one with a great, higher paying career, and I’m a stay at mom who will be paying back the U.S. government for many more years sigh….(well husband is paying them lol). Been paying on those buggers for 14 years and still owe around $13,000. Didn’t use my degree at all either ugh! I’ve already informed my kids they’re going to -free- trade school like their dad did 🙂

    Sara (aka crzycatlady1 from MFP 🙂 )

    1. Amy Beardsley
      January 15, 2017

      Yes! We were going to Aldi but it’s a half-hour drive so we stopped because it was “inconvenient.” But we went back this week and WOW I’m hooked all over again. It’s amazing the savings!!! I’m curious how to you feed a family of five on $100!!!

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