Setup budget August – paycheck to paycheck

My budget for August has not changed a lot in the last months. I don’t expect any changes in the upcoming months.

The steps I take to setup my budget
  1. I list my expenses
  2. Then I list my sinking funds & jars
  3. Check my debt
  4. Check my emergency fund
1. I list my expenses

Every month I start with listing my expenses by looking at the month before. In August there is one change in my budget:

  1. Gym membership has been increased to €21,66. Last month it was €10,48 because the gym was not opened the full month.
ExpensesBudgetedDate
Mobile€19,-24-jul
Movies membership€21,-28-jul
Consumer membership€7,5024-jul
Health insurance€129,7127-jul
Rent€789,9829-jul
Gym membership€21,6631-jul
Netflix€13,9914-aug
Banking fee€1,5528-jul
My budgeted expenses for August
2. Then I list my sinking funds & jars

In August I will make use of my sinking fund Birthdays to buy a gift for my oldest brothers birthday.

Sinking fundBudgetedDateTotal Amount
Birthdays€50,-22-jul€309,07
Christmas€18,7522-jul€131,25
Vacation€120,8322-jul€1.139,83
Phone€50,-22-jul€285,10
Sinterklaas€4,1722-jul€44,26
Mother’s/Father’s Day€6,6722-jul€110,38
My sinking funds in August

In August I will make use of my money jars as usual. I will be buying my groceries more in bulk and hope this will make a difference in my budget.

Money JarsBudgeted AmountDateTotal Amount
Groceries€300,-22-jul€430,36
Eating out€100,-22-jul€102,64
Play€100,-22-jul€137,68
Personal care€12,5022-jul€15,37
My Money jars for August
3. Check my debt

Every month I pay the minimal amount towards my debt €59,71. I will pay an extra amount of €900,- towards my student loan. At the beginning of the month my balance was €3.485,86.

MonthMonthly paymentTotal debt amountPercentage (%)
aug-20€959,71€2.526,1577,6
sep-20€959,71€1.566,4486,11
okt-20€959,71€606,7394,62
nov-20€606,73€0,-100%
Debt payoff plan
4. Check my emergency fund

My emergency fund is filled and I haven’t made use of it. So I don’t need to add to my emergency fund.

Total amount
Emergency fund€6000,-
My emergency fund
Have you setup your budget for August?

Read my previous post about how my debt free journey is going here.

115 thoughts on “Setup budget August – paycheck to paycheck”

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