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My So-So Budgeting in March: Review


Because I really want to pay off my mortgage  by the end of this year, I have been buckling down on my budget. Each month, I am trying to keep my spending under $1,995. Since I started this budget in January, I have yet to actually do this, and March has been a similar story unfortunately.

march budget tracking

In the month of March, I actually spent $2,660…which means that I overspent by $665, but I have my reasons. For the most part, all of my expenses were in check, but I did buy that Malibu car (that I flipped for a profit), whose taxes and other repairs cost me about $420. Another $135 of this overspend was due to my tax returns. I had my accountant do them for me this year to make sure that I was claiming everything correctly. And, the other $110 was on clothes shopping (believe it or not). As the weather was heating up, I realized that I only had one pair of shorts and a limited assortment of golf shirts (that I also wear to work). So, I paid a visit to my friend TJ Maxx and bought quite an assortment of clothing for a very reasonable price.

All in all, I am actually quite satisfied with March (after all, it did allow me to pay an extra $10,000 on my mortgage). So what is the outlook for my April expenses? I am actually feeling pretty good about this month as well. I don’t foresee any large expenses coming up and on top of that, my utility bills should be lower as the temperature warms up.


Weekly Round-Up

It has been a little while since I gave a shout out to all those other skilled personal finance bloggers out there, and they have been putting out some great stuff! Check it out:

How to Win At Everything Online – by Yakezie

How to Recover From a Financial Mistake – by Prairie Eco Thrifter

10 Lunch Menu Items That Cost Less Than $5 – by One Cent at a Time

Travel Hacking on a Budget – by Narrow Bridge Finance

Working Out on a Budget – by See Debt Run

Do You Have a Rainy Day Cash Fund? – by Beating Broke

Build a House for Under $10,000? Oh Yes You Can! – by Little House in the Valley

Margin Net Worth Update – by Project Ikonz

Pain and Suffering Is No Excuse to Quit Moving Forward – by Luke1428

Are You a High Talent, Low Maintenance Employee? by Save on Almost Everything

Budget Money


My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. Thanks for the mention.
    I am really impressed with your food and dining budget. How are you able to keep it so low?

    • I am pretty simple Mike. I head to Aldi once a week and buy pretty much the same items: Wheat thins, cereal, granola bars, eggs, milk, granola, yogurt, clementines, bananas, bread, english muffins, lunch meat, cheese, and fresh chicken. This costs me about $40, which is super cheap (thank you Aldi), so it allows me to go out to eat once in a while as well. With this practice, it is pretty easy to keep my food bill below $200/month.

  2. Appreciate the mention Derek! I’m also envious of the grocery budget. You are spending as much in a month as I do in a week. Of course, I am shopping for six. 🙂

    • If you have an Aldi in your area, I’d have to suggest that like Derek has in the past. My wife does the shopping, but $350 every 2 weeks for a family of 6 is how she manages to keep it under control. Not to mention, that includes using some of that money sometimes to go out to the movies, etc. So it’s really a little more than just groceries.

      • When my friend was in college, he lived off $15 a week! However, his diet was mostly turkey hot dogs and bread. 😉

    • Well, true. I am shopping for one, so it’s a bit different. 🙂 I’m sure you’re expenses are quite reasonable given the number of people in your family.

  3. I really like the way you’ve displayed your budget! I am also envious of that food budget. Under $200 is amazing. I’ve struggled to reach $250!

    • Haha. I had no idea that my food expenses were so much lower than everyone else! I really don’t do anything special. I just shop at Aldi and get the basics. One of these days I’ll write a post about my typical food purchases each month.

  4. Yes, I’m envious of the groceries budget – but does it include toilet paper, paper towels etc.? Mine is $679 for 3 people = $226 each and I always think it’s too high. I use MINT too! Our gas was also $180!

    • It actually does include all toiletries. 🙂 Yes, your grocery bill does seem a bit too high, but your gas expense is quite good! Nice job!

    • Sure Mr Ikonz! I’m glad you’re enjoying my blog too!

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