Make sure you budget for EVERYTHING

The problem with most budgets I’ve ever seen is that they don’t take into account everything. Those little things you pay annually, like car registration and your AAA renewal are generally forgotten. Putting a little money aside for home repairs and maintenance is generally missed. This is why I like Dave Ramsey so much. His budgets include everything. I’m very thankful for that today.

I’ve said before that we have a very tight budget, as we are trying to pay down as much debt as possible this year. Even with the tightness in the budget, I still have $46 a month budgeted for home repairs and maintenance. I know it’s not a lot of money but if we have an emergency, I’ve got $1,000 in the emergency fund. The $46 a month is for those little things that need to be fixed or replaced around the house.

He hates expired coupons!

Well, we had one of those little things happen yesterday. My youngest cat, Thor, got closed into my craft room Thursday night. I didn’t even see him run in there. Friday morning, I didn’t see him. He usually runs up to me when I wake up so I started looking for him. I heard him crying in the room and let him out. He was whining and not acting like Thor. A few minutes later, he jumped onto my side of the bed and peed. Luckily, he did not pee on any of the top blankets and it didn’t do through to the mattress. He did pee through the sheet, the mattress pad and the electric blanket which was under the mattress pad. My husband now wants to replace these items since he is worried about the cat pee. With my $46 budget, I can definitely replace the mattress pad. I’ll have to wait to see if I can get another electric blanket on clearance. I paid $25 for the last one on clearance a few years ago (it was marked down from $89). If I didn’t have the repairs and maintenance account, I would have to take the money from somewhere else in my budget. Hopefully, I’ll have some money left over to get some caulk to recaulk my shower. That was my project this month.

Are there items missing in your budget?

EDIT:  We washed the mattress cover and I think we got everything out of it. Yay! Don’t need to replace it. Also added a picture of Thor helping me clean out my expired coupons. He looks calm in the picture but he was going crazy on those expired coupons. He’s lucky he’s so cute.