More Home Improvement Projects! | September 2024 Beers & Budgeting

okay welcome welcome to another episode of beers and budgeting we are going to be going over September's budget and drinking some good drinks so join us hey fam welcome back to the de free Millennials Channel I'm your host Justine and this is my husband Kyle what up every single month we go over our real income real expenses you know we don't we don't hide anything we spill the tea uh MoneyWise yeah but not the beer but not the beer what are you drinking today I am drinking a local beer Focus Buffalo Sweat from Tall Grass Brewing Company I think it's actually made by Witchita Brewing either way this is from uh Manhattan Kansas where we went to gr well I went to grad school just went to undergrad and that's where we met and so this beer kind of has a little connection for us and it's nice and cold outside so we can finally start drinking the darker beers and I'm excited for this cuz I've had it a bunch and it's delicious if you don't live in the midwest you're missing out on this beer on some other things I'm so happy for you um it's it's finally a fall day right now it's saying it's 63° and when we woke up it was cold there's Frost outside I am not drinking you want to know why because it's not a balloon we're about 8 months uh cooked baby pregnant uh I've got two more months to go so I do have a little bit of coffee left over from this morning and I'm feeling a little chilly so I thought coffee you've got the Stout you know what a better time than now to do the budget yes and we have had a wild couple of months so let's go over the September budget first and then we're going to do another episode doing this back toback thing again again again again so let's open up September's budget this looks a little bit different than the budget actually a French word is it budet like fet no oh I don't know what the french word is for Budget somebody tell me I can Google it but B it's let's go over the B not so this template looks a little bit different from the other templates that I we have previous previously used because this is a super budget template so you can get all of this imas let's just throw in some Spanish here with the super budget template so this is the actual template and this is what I used for ours you can purchase this on my website by using the link in the description box below it comes with the super template the simple template to get you started student loan tracker credit card debt tracker savings tracker we've got one for your car loan all the good things all of these sheets in one single file I'm really really proud of this so I said let's start using this guy for September I just kind of knocked out the to-do list up at the top but where do you want to start at the top at the top well first did we make budget start there okay so we planned on bringing in 12,000 we brought in 12,640 Bucks we have a net left over of 600 and some bucks from the plan from the plan but from the actual got 1,500 bucks mhm left over yep okay good yay so we had 1488 left over in the month at the beginning of September we took a trip to Estus Park so for My Best Friend's Wedding super fun that was a good time we also ended up having to change our license plates and driver's license over from California to Kansas that was such a sad day yes we are we are morphing back into midwesterners so there you go we had a road trip to Manhattan Kansas where we attended a K State football game it was so fun we went car shopping yes we did we will update you on that you got to wait for the next episode oh boy and what else what else you had a work trip we figured out you know the tuition bill for preschool is built every Monday we also added a $50 monthly gymnastics fee to the budget for Quinn she started that and then about $1300 goes into all home upgrades that includes money set aside for property taxes homeowners insurance HOA fees and any major home upgrades that we are doing which Kyle had worked on a lot of stuff yeah in September and in October but let's take a look at the rest of our spending I don't know why preschool says 1455 it was actually oh there was just a week difference so some some months are going to be different than others because it's build on a weekly basis so yeah cuz sometimes there's five weeks or a fifth Monday or whatever you call it mhm $215 in electric I think that also includes gas uh water was $147 we found out that water we're build from two different entities we're build from the County Wastewater Treatment Plant and we're build by the actual water company for water coming in and then the Wastewater going out who knew and it's buil every other month so this seems high to us cuz we're like what we used $147 in in the month but it's actually divided by 2 7350 makes sense we have a lawn now I know we're not used to it I hate Lawns we're not used to it let's see what else we had a lot of these sinking funds that we put together oh groceries so I budgeted $700 for groceries we spent $ 388 you want to know why because we had a major Costco Hall in August oh it'll be different for October that seems to be what we normally do is like every other month we go to Costco and then you're like the budget's crazy and then the next month it's like super low and then mhm yeah let me look at what it was for August 7:46 including a Costco run y so yeah 388 Home Improvements I had put $500 towards this we spent 624 uh why does that say Amazon bait stations and beit take that off what it was for it was for for Pest Control oh it must have copied over from the old one uh $624 on Home Improvements and so actually what I did is down here you can see all of the different types of spending that we had sprinkler repair sprinkler repair that was the big one 500 bucks to repair the sprinkler forgot about that don't get me started on that my cousin and I spent all day working on that thing replaced like half of the valve had to figure things out parts were broke that we didn't know were broke so there was like troubleshooting a part that couldn't be troubleshot and all because the previous owners just didn't take care of the place mhm and then didn't let us know that they didn't take care of the place like they could have just been like hey we haven't used a sprinkler system in a while May checked out that would have been nice to know mhm the home inspection that we got the guy said he didn't cover sprinklers don't get me started on how anyways so that was the major culprit for Home Improvement and repairs for for September we did really great on restaurants um shopping was like right on par we've got a sinking fund for that fun money we did really great on it's like honestly everything here looks really good in the fun money spending I oh I added your work expenses you had about $1,000 I feel like that's the norm for you now is around $1,000 Dollar in work trip expenses between a rental car and a hotel in food yeah it's usually like three nights that I do that seems about right M and then we contributed to our home upgrades fund home okay so the difference between home upgrades and Home Improvements repairs Home Improvements and repairs are like the monthly things that we're doing you going to Home Depot I'm sure they know you on a first name basis now you probably know them those little the the repairs and the improvements where it's like we got to patch a a piece of drywall we've got a get paint for this trim or whatever home upgrades are the big projects where we're paying contractors um other we haven't done any of that are you yeah home upgrades would be the big stuff I'm also putting in home upgrades like if we want to buy big appliances or Furniture things like that those are the bigger bigger things we also contributed money to the car fund vacation fund we spent money out of because of Colorado so I need to transfer that out of the vacation fund and then we haven't set up baby number two's college fund yet I feel that's kind of a back burner thing but honestly it's just like let's just get it started I'll let you do that yeah we don't have to send both kids to college we could just do one oh my gosh could you imagine they may not go to college College may be so unobtainable by the time they're of age to go they're like why I think we'll see a big rapid change in education I could Soap Box this all day mhm but I won't for your sake cool thank God so a quick little review I love seeing this little chart for the super template as you can see how much of our money has broken down into different categories so it's showing 32.3% going towards debt debt is our mortgage so that is our mortgage 32% of our total take-home is going towards our our housing so that's actually right on par with what we typically see for housing payments is anywhere between like 25 28 to 35 if you if you're over 35% of your payment going towards living like cost of housing then you either live in a really high cost of living area or you're you're paying too much for house I love this I love this little table right here I think that's it for September honestly it went by fast September yeah yeah we did two trips Colorado K State we had home repair projects and we went car shopping so the extra money what we going to do with it I know what I want to do with it what do you want to do with it I think it needs to go towards home upgrades oh without a doubt home upgrade slome repair mhm um you want to tell the kids what you want to do with the home upgrades home repair I want an office kind of wants an office so we have this we have an extra living room space off of our master and it kind of creates the way it's laid out that it creates a weird I don't know Nook in our hallway too so I want to take that Nook in the extra living room area and wall that off and make it into a another bedroom that I will use as an office that would be like a small bedroom which is like the perfect size for an office because right now like we both work from home so we both need to have offices that aren't next to each other so we're not competing on calls and filming yeah you know I'm on a call and she's filming and she's hearing me make terrible jokes to my co-workers that she'll laugh at in her videos so you know can't have any of that M that's what I want to do um there's also the big dirt project out back do you want to say that one for next video I mean yeah the the yard is just another a whole other animal I'm looking at it right now it's just like it's a nice rock quarry it's a it's a rock quarry but I I agreed with you on the home office thing because he had his home office in the guest bedroom and then we were talking about okay when baby arrives we're going to have like your mom come down and help and so we want Out of Towners to feel comfortable like my best friend is going to come down and help we want her to have her own room without Kyle like being like can I come in and work yeah so I did get that in a sense and he's right our bedroom was massive when we initially toured this house and we went into the primary bedroom we're like oh my whoa what is this extra bonus space this is crazy felt like sleeping in an auditorium compared to what we had in California it's massive and so we actually brought our real back over that was your idea and we said hey what do you think if we turn this into an office but later on down the road do you think this would still have buying potential to show this as like a another bedroom yeah so if we make it a legal bedroom cuz it has a window in there it has a window put a closet and a smoke detector and that's all you need mhm so that's what we want to do and I'm going to do a lot of it myself you have yeah well we can save it for the next yeah yeah but that's a project it is I'm looking forward to seeing it completed it looks real sweet real real sweet real nice real nice real nice Clark okay name that movie name that movie I feel like we've done we did the How I Met Your Mother reference in the last episode which hey new best friends we're actually re-watching that now um I think that's it yeah 1488 Home Improvement home upgrades upgrade upgrade name that movie all right sign off let these people get back to their lives we're just going to say random words and phrases and be like name that movie did I catch a Niner in there name that movie all right oo short and sweet I love this one okay we will catch you in the next episode where we're going to be going over October's budget as we get closer and closer to the holidays not only the holidays but also welcoming our second baby hooray so exciting we'll catch you in the next one [Music]