For the weekend of the 4th of July, Andi and I went to visit our friend Cassie at her parents’ house in Garfield, WA. The small town of Garfield has only a few businesses and probably a township of no more than 500 or 600 people. There’s a bar, Grumpy’s, and a recently closed restaurant (due to illness of the owner). Other than that, trips must be made into the neighboring Palouse, WA or nearby towns of Pullman, WA or Moscow, ID for groceries.
Life is simple and life is good. Trips must be planned ahead, lists made, and routes organized.
What better way to begin my cash-only change of lifestyle than to visit such a place!?
Well, it was good and bad. Good in that planning ahead was mandatory. Bad in that travel is a mighty expense.
I pulled my weekly budget out Saturday morning, which will be my regular plan, and by Tuesday (today), I have spent all but $20 and some change. I have set aside for myself $160 per week. Note that I still have some calculations to do and will likely adjust down at least $10 in the next month, if not more.
Here are the line items:
Fuel: $10/week
This should be more than manageable, but I may need to adjust this upward slightly in the winter due to driving more. I typically bike to work and only visit the grocer on the weekend, sometimes doing so via bike. My fuel expenses should decrease significantly over the next few months.
For vacation weekend, fuel dominated the budget. I put in $20 before we left, and then Andi and I split the gas cost on each subsequent visit (about $40 total during two refueling stops). So a whopping $60 went to gas for this trip. Plus I added another $12.25 to the Bimmer this morning during my grocery run.
So during week 1, fuel ate nearly half my weekly budget; not bad considering I still have $20 left and that we were on a road trip.
Groceries: $65/week
Groceries are a large expense. I enjoy organic foods and we like certain items (meat, cheese, etc.) that tend to cost a little extra. I have also been allocating $10 to $15 of this amount to building an emergency supply of food.
Today’s spend included a sizable bottle of hand sanitizer for just under $4 and 2 lbs. of organic black beans. We now have three to four 32oz. jars of black beans, which will be a core ingredient in our emergency supply, along with rice and a few other bulk staples.
Home Improvement: $20/week
My hope is for this allocation to vary based on the needs of the house. If I need more, it’ll eat into my miscellaneous budget. In the near future, I see a few expenses based on upcoming projects. These projects include building a fire pit, adding a door to the lower section of the house to allow for storage underneath the main floor (you can stand upright underneath the house), raised gardens, and assorted landscaping.
My assumption would be, now that I’m continually thinking about and monitoring how much money goes out of my wallet, that overages will go to one of two places: home improvement and the Bimmer.
Miscellaneous: $65/week
This is a large budget, but it’s also the one that gets dipped into a lot for overages in other areas. It is the variable spending budget that includes entertainment, dining out, updates to the Bimmer, pets and anything else.
During the vacation, the miscellaneous budget was pulled from a few times. I grabbed coffee at One World Cafe a few times on Sunday, and I picked up a 7″ single by Kelley Stoltz at Deadbeat Records in Moscow. The total of those items came to about $15.
There are a few pressing Bimmer projects in the near future. First is the incessant rattle coming from the muffler. It’s missing a bracket that holds the muffler steady, so it clangs loudly against the lower body metal (under the bumper) when the car idles. Second is the alignment (hopefully it’s just that) that also causes a slight wheel wobble. Third is the rubber hose you pump gas into; it needs replacing. And there’s a “popping” slight backfire sound that occurs in idle as well.
Other upcoming miscellaneous expenses include Andi’s gift for our 4-year anniversary, which takes place end of month. I would also like to add her to my AAA policy. And there is Christmas too; the plan again will be to shop locally for consumables only. Last year I picked up gifts at Skagit Valley Winery, Slough Foods in Edison, and Rosabella’s Bakery on Farm to Market Road.
Summary
I would dub the first week a success. Granted, it’s not over yet, but there’s nothing else I need until next weekend. My bike could use a tune-up, but I think it’ll be fine for another 200 miles. Next week is the STP (Seattle to Portland bike ride) and I do not anticipate having many expenses other than fueling up the Nissan on the drive home from Seattle and groceries.
I’m excited to see how the whole cash-only budget works out. Even more so, I’m excited to see how much I can save each week by being on such a budget.