Thursday, October 15, 2015

Budget Changes & a Miss Money Bags Cash Wallet Review

Realistically, a budget is a flexible, ever-changing beast. Much like a toddler :) Now that I'm working from home and not in your typical 8-5 job, our budget has evolved too.

If I'm being honest, when I was working outside the home, I had a tendency to "treat" myself to a breakfast sandwich (because it was $1.65 for a bacon, egg and cheese on a biscuit) or to a cup of soup during lunch because I deserved it. Having an in-house cafeteria at work was kind of my kryptonite.

Now that I'm home, our budget has shifted. We no longer have the daycare expense (hello - second mortgage) but I don't have my weekly income either. My in-house cafeteria is MY KITCHEN. Meaning if I want something, I'm the one buying the food and cooking it. Trust me, breakfast sandwiches are less alluring when you have to make them yourself.

Because I don't have regular workplace chatter about upcoming trips or weekend plans, I'm hearing less about the cool things other people are doing. Honestly, that's a pro and con to being a home. I miss the slightly inane workplace aisle chatter. I'm less connected to all the cool things going on outside of my inner circle. I'm missing out on things but much of the time I don't even know it.

And because I'm subsisting on a steady stream of tee shirts and target shorts, my fashion IQ has also decreased. I've tried to implement a fall capsule wardrobe but I really am not digging it. Said fall capsule wardrobe is squashing my inner creative shopping fun. That's a post for another day. But online shopping is always tempting as well as building up my graphic tee collection. Because I can legitimately wear cute graphic tees everyday and no one thinks it's inappropriate for a work from home mom.

But our household food consumption is up overall because I've become consciously aware of the fact that if I don't buy fruit and vegetables, Lucan won't be eating any. Yesterday I also bought him animal crackers because he "really, really needed them." Yet once we got home, the box went unopened in our overflowing pantry.

K-cup budget is up too. I need coffee. And creamer. I could tell you I miss work coffee but that's a big fat lie.

Weirdly, hand soap expense is up too. What is it about preschoolers and their incessant need for at least 3 pumps of soap? And like I've previously mentioned I've become a paper product nazi. Lu is only allowed one napkin per day, maybe two if we're having soup. I make him put his tissue in his pocket if I feel like there's room for more snot in it.

We eat a chick-fil-a a lot more. Mostly because they have a play area and I have lots of coupons. But overall I eat out less per week because eating out means that I'm taking Lucan out to eat too #nothankyou

And there's less Target wandering too because between dropping Lu off for preschool and trying eke out a morning nap, there's just no time for that.

Our healthcare expenses have evolved too now that Lance is carrying all of us on his plan. Yikes, insurance is not cheap. We're also trying to plan for taxes better too since I'm considered an independent contractor and don't have taxes being pulled out ahead of time. Lance is happy that the Traverse has gotten to stay parked in our garage too as he's been driving the LHS back and forth to work. That car never dies.

This month has been an expense doozie: we had to pay to have our furnace/air conditioner serviced (because overly hot Kara is a crabby Kara and as I've reminded Lance "happy wife, happy life") and now we need to replace a car tire (not my fault, first time ever!) Last month I convinced Lance to spring for an expensive tri-membership (Blank Park Zoo, Science Center, Living History Farms) so that was an expense too. Life is just full of expenses.

We are still doing a cash budget because it's good accountability. I'm loving the handmade, colorful cash envelope wallet from Becky at Miss Money Bags.

Love the bright happy colors which makes parting with my money so much easier (lie).

Miss MoneyBags 1

The large wooden button is really nice too. It's kind of a statement piece. 

And while it might be hard to see from my photos, the fabrics have gold threads interspersed through them. Super pretty.

Best of all it's functional and so much more practical then using ACTUAL paper envelopes. That just begs for me to lose them. It would be really hard to lose this handy cash wallet. Becky thought of everything here - there's slots for credit cards/business cards/ IDs as well as a zippered pouch for change. It's a one-stop cash wallet shop!

Sturdy and colorful. Each "envelope" has a spot to label which category you are spending out of. I highly suggest that if you are looking for a different way to store your hard-earned cash, you check out Becky's Miss Money Bags etsy store. So great! You can also connect with Becky on Instagram too!

I received my cash envelope in exchange for my review. Opinions are all my own. 

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