This page may contain affiliate links. Please read my disclosures for more info.
Red poppies remind me of my Nana. Every spring and summer, the red poppies would burst up and paint Nana’s entrance with the most beautiful reds, just like in the photo.
Nana has a way of taming the wildest of creatures into something whimsical and beautiful. The poppies hold their own in Nana’s garden as a confident flower that I always look forward to seeing every year.
In my home, our yard is a blank slate that has been quietly asking for some attention for the past few months. In May, we finally did some of that work of sprucing up our yard.
Heads up: This page may contain affiliate links. You can check out my disclosures for more details.
May life on a budget
I’ve felt for a while that our front yard isn’t very welcoming. Our suburbia home sits close to a large industrial area. Our front door is recessed and there’s a sad lawn out front with a fair amount of weeds we’ve not been successful in killing.
I’m told that the Russian sage requires daily watering in the first year and no additional water after that outside of Colorado’s normal rain showers! Here’s to cultivating a green thumb this growing season. 🙂
A few nights after we put Terin to bed, we’d sit out on the patio and watch the sunset with a beer and coconut milk ice cream.
Our Shepherd loves it because she’s taken the back seat since Terin debuted 9 months ago. She perks up immediately when we’re outside and throwing her ball.
It’s amazing how time outside can recenter, refocus, and reenergize me to do all the things I need to do.
Did we meet our savings goals?
Yes and no. If you missed last months’ budget, you can check that out here. We paid $3,506 on the mortgage, which is great.
While that number is higher than normal, we went a little overboard on our Denver trip to see our family and Taylor Swift.
It’s crazy how $40 for parking here, and $70 for gas there can change the budget. It adds up.
In June, I’m resolving to be more mindful of convenience purchases, look for frugal alternatives, and optimize as much as possible.
With June being a 3 paycheck month, less will go to debt. The second half of our property taxes are due, also, which adds to the fun. We’ll also be booking a rental car for our trip to Alaska in July.
Peek inside the June Budget
Before we get going on this, I’ll let you know a few details about this budget:
- Income is take home pay after taxes + side hustles + overtime.
- The “Envelopes” category covers all expenses that we pay for in cash. This covers groceries, restaurants, personal funds, baby, etc. Basically, we use cash for any category that’s easy to overspend.
- We save 15% of gross income to pre/post retirement accounts. This budget doesn’t show our pre-tax contributions. Since our pretax contributions aren’t enough for 15%, we opened a Roth IRA and contribute biweekly so we reach 15%.
- We are purposefully not funding Terin’s college fund until the house is paid off.
In writing the June budget, we had a few choices of when we could pay our bills. Our property taxes are due in full in February or can be made in 2 payments over a few months at no additional cost.
Since it was cheaper to pay it in portions, we have a $461 for the half of our unpaid property taxes. It means less goes to debt this month, but we actually saved by paying at a slower rate.
Also, this month, we’re paying for a rental car using Turo. It’s the equivalent of Air B&B for car rentals. I’ll share our experience once the trip’s over. The car rental fees were about $500.
This is the first month since we started aggressively paying off the house that we’re set to put less than $1,000 on the debt. It feels like I’m easing up on the debt, even though we’re miles ahead of our original goal. The types of months are lessons on patience, grit, and down right stubbornness to keep moving forward.
Share with me what you’re up to in your neck of the woods.