… The way only a frugal nerd can. I spent Sunday figuring out our tax burden for the new year and trying to set up a budget.
In my defense, we did have people over the night before. I even stayed up until 3:30 a.m., which was practically a miracle. Everyone else drank, we took turns at Ultimate Marvel vs Capcom 3 with lots of comments from the peanut gallery, and we cracked Marvel Scene It and Star Wars Trivial Pursuit.
It was nerd-ariffic. But fun.
After sleeping most of Sunday to compensate, I sat down with my trusty excel document and got cracking on figures.
The good news is that our tax burden will be lower next year. That’s partly from happy stuff — the extra dependent I’m currently gestating — and half from bad — we’ll make less this year since my side jobs ended.
But once the taxes were figured out, I set out to create a budget. Which I’ve spent a lot of time staring at. No matter how I play with the numbers, we’re able to pay our bills without sweating it.
That’s not to say we’re rolling in dough, but we don’t have to touch Tim’s disability to pay what we owe, put some money aside into savings ($500) and an IRA ($300) and pay back the relative who loaned us $2,500 (now $2,000).
I feel like I’m forgetting something.
That’s probably because the last six months have been spent furiously balancing the crazy costs of buying a house and getting Tim’s parents down from Washington. So it’s hard to believe that we can actually sock away money again.
Of course, things will go wrong. The house will need repairs. The car will pull some stunt that requires a visit to a mechanic. And I will need to get some clothes as I start expanding. Plus the inevitable “But I want Chinese food/pizza/Wendy’s — not a PBJ!” fits my stomach throws. But it looks like we’ll be able to manage if we’re vigilant.
And, of course, I need to account for the fact that I won’t always be vigilant. Between the pregnancy and depression, my ability to stick to my frugal guns will wax and wane.
That said, it looks like we may just be able to start building up our finances in earnest, which will be good for when that little dependent needs diapers and clothes and so on.