Another Home Reno Rant by Kyle | November 2024 Beers & Budgeting

Hello everybody welcome back to another episode of beers and budgeting stay tuned we are going over November's budget yes we're actually doing it on time so stick around hey guys I'm your host Justine of the debt-free Millennials Channel and this is my husband Kyle what up and here we are going over our real income and expenses for the month of November which is historically a big spend month for most of us because of the holidays and Thanksgiving so we are going to jump into our budget and share some stories of our spending along the way but first is it beer 30 yet yeah I wouldn't show up to these if I didn't get a drink of beer cuz I'm That Kind of budget guy so today I am drinking it focuses a firestone October Fest this is the last October Fest in the fridge I feel it's appropriate to finally kill all those finish it out it is a delicious beer Firestone was right up the street from us in LA and so it's got a sweet place in my heart so cheers to you Firestone you are not drinking beer but you're drinking something different I am drinking the Olli poop I've never had ollipop it is the strawberry vanilla flavor it's a soda of some sort it says a a new kind of soda what's the slogan a new kind of soda just like I said a new kind of soda pre prebiotics Botanicals plant fiber supports Digestive Health supposedly supposedly wow mhm getting notes of strawberry and vanilla well getting notes of beer mhm uh I feel like it's appropriate to also do a baby bump yeah it's getting bigger uh we are almost at 36 weeks so officially entering the ninth month of pregnancy most people who've never been pregnant or had a spouse partner who's been pregnant don't know that you're actually pregnant for 10 months instead of nine I don't know why they say n it's 40 weeks right it's 40 weeks which is 10 months so if each month has 4 weeks yeah anyways here we are here we are are you feeling ready for the baby I am 100% excited and 100% terrified that newborn phase is just brutal it is six weeks should just be a mandatory thing of like we'll see you in six weeks best of luck it's wicked yeah we know what we're in for kind of I mean this is a different baby different temperament maybe they're all different they're all different so but we are fully prepared to just be team no sleep for a while yeah what do they say Enjoy the suck or something like that yeah something like that so to all of you who have at least two kids or more tell us your best advice to get through that newborn period while having a toddler yeah please please that would be awesome now let's get into this budget the budge and see what we got working with so we planned on bringing in $112,000 mhm we actually brought in $5,650 there's lines missing and I was confused but our total expenses were 13,800 so we ended up with 1,800 bucks left yeah actually our spending our income went up our spending went up how' that happen we're going to find out out okay that's what we do the budget for right yes yes yes yes that's a lot of money is that just from my overtime or my uh my overtime getting paid out yes you you had that I think you got some work reimbursements also from some travel that you've done and then I paid myself extra for the first time this entire year maybe I've done it one other time but I was very excited to give myself uh in owner draw or owner's Distribution on top of payroll which was really really nice so here we are I know some of the line items I had to adjust for our budget so one of the things that we had talked about for November was increasing our car insurance syncing fund because now that we have two vehicles we've got to account for more car expenses and I went onto our car insurance website and saw that we're paying $490 for the year to ensure the Forester and for the Kia it's $756 a year so I just took that into a monthly number and put them together and so we need to be setting aside about $100 per month for car insurance to cover both vehicles that's pretty good it's really good it's pretty good yeah I was expecting it to be $100 per car per month yeah we expected to pay a lot in car insurance for the Kia but honestly it wasn't that bad I mean considering all things considered and you know what was really cool I'm going to get hop down to fixed expenses so the preschool went up by 40 bucks because uh Quinn's preschool did a parents night out for us oh yeah they're doing another one next month and it was great I love that idea so fun she loved it it was $40 for I think 4 hours four or five hours yeah which which was amazing she got to play with her friends all of her favorite teachers they had the whole thing organized they're doing it again for December so we are definitely I've already messaged and was like we are signing up for this so yeah we did a barbecue night we now are going to like take these date nights and try to go to all the different barbecue places throughout Kansas City which I think there's over a hundred so it should take us a while to get through them all ah I should definitely add that as a win like we did a date night and what was the first barbecue place we went to slaps slaps slap slaps barbecue in KCK yeah and so now we are raing each of the barbecue joints that we go to on this like 10 out of 10 system and kind of testing everything so we gave slaps a 6 and a half the real critical if there's a 10 out of 10 in this town there'll be one of them that's how critical we are with our barbecue and I know I think I know which spot is the 10 out of 10 but maybe we save that for when we actually do it so we got to pick another barbecue place so that so we did cut we covered car insurance preschool and then the other thing we said we were going to increase our grocery budget for November to $800 and we were right on the money I cannot believe that I seriously cannot believe that because we went to Costco that one day we went to Costco three different times I went four okay we did a family outing on a Saturday mind you my crazy idea yeah not mine can you imagine that we needed to do a Costco haul but I also really have been wanting a Costco Christmas tree she've been talking about this for like five years and I've always been like no we're moving next year no we're moving next year no we're moving next year or it's we're in a,t apartment we can't have a big giant Christmas tree it would take up half the living room right so then we got our house our first house and I said we have to do the Costco Christmas tree so we went there were different sizes obviously I'm very pregnant I cannot lift these massive tree boxes so I would so they had like six different Christmas trees multiple in stock of all different kinds except for the one that she wanted so then I had to track someone down and be like where this at yo and then he's like it's over here yo and so we had to go to a different store and the guy was like there's eight of them in stock and when we got there there were two left yeah so that was two trips in Costco cuz nothing else can you can't do anything with a big giant Christmas tree except go through the checkout line and then and then come back in yeah and I got to do that and and then uh the kid wanted strawberries and I was like we're here might as well get some strawberries so then I ran back in to get strawberries so that was four trips to Costco in one day or four four re-entries it wasn't like four separate car trips but yeah two different Costas on a Saturday so that's what you do when you get old when you when you have your first house you want to get that first amazing Christmas tree and by golly we did it do you guys do real or fake the real ones used to be a lot cheaper to the point where I'm like it's almost worth buying a fake one and using it I saw one person post a picture of a of a real Christmas tree they wanted 200 bucks for a real Christmas tree and I was like you've got to be kidding me wow yeah I don't know where it was at and anything it just saw the picture and was like that's ridiculous I just like the Simplicity of having a fake one because it's already pre-lit it comes in three parts don't the water to worry about the watering yeah anyways anyway back to the budget back to the budget Home Improvements and repairs holy moly we've been budgeting $500 820 got spent what the hell happened yeah what did happen Kyle finished his GD office oh yeah I did yeah I built an office framing drywall put a closet in smoked protector crawled in the Attic whole 9 yards one thing I will never do again in my life is mud dry wall don't if you're thinking about it no no leave it to the pros no just hire it out you'll be mindblown by how quick it takes and good it looks don't do it yourself that's it I can't go I can't keep going I got to stop there I'll just I guess I I mean for those who do enjoy Home Improvement projects right there are some things that are easier to learn than than others I would say you are very very good at DIY projects and and Woodworking and all the stuff but tell us why the mudding process really is for experts it is just don't know you don't want to look at that it's like no you just Just Close Your Eyes just put on the shades just go past it uh it just takes a lot of time and a lot of skill and to get it smooth and look good and if you're like me you're a perfectionist and you'll see all the spots you messed up and there were issues with the way the drywall and the walls came together to make it even more difficult than what it should have been and all this other stuff but at the end there's just a ton of sanding that has to go on and the amount of sanding you have to do just takes up a lot of time and makes a humongous mess so anyways let's get back to the budget I'm done ranting I don't want to rant about this no one wants to hear this I mean they do no they don't okay I was just actually going through and trying to sort so one thing with the super budget template again this is the new template that Kyle and I have been utilizing the free version is still the free version It's just doesn't have all the extra sheets and it doesn't have this super super way of categorizing things in all of the different charts and stuff which you can buy this template for sale using the link below but one thing that I've been doing that has saved me a ton of time importing transactions into my super template is I'm downloading a CSV file of my credit card statement and then copying and pasting into Google Sheets and now I'm using the filter function so I literally just highlighted this and then clicked on filter and then I'm going to go categories sort A to Z and then this is a really quick and easy way to see how many transactions belong to a specific category which I'm really digging because then I can see exactly how often you went to Home Depot I mean holy cow we went I'm going to cry you went a lot yeah well that's what happens when I mean it's only like a mile away it's not that I it's convenient yeah so instead of going instead of driving half hour to the hardware store and with a long list I just pop in sometimes after picking up the kid from daycare so what is most of this is this materials are any tools no paint then more paint then a door knob and then another door and then a door frame and then tape and then mud and then more mud and then all this other stuff and it's just a bunch of random Jazz to finish making a new room in your house got it okay I was just curious I know this line item for Sherwin Williams $78 that was for one gallon of paint yeah and I can't tell the quality of that paint over any of the other paint in the house so is anyone known are the different qualities of paint even worth it this was their Emerald brand which I guess is the top-of-the-line brand the only reason why we bought it is because our primary bedroom in the house is is already painted in this color and we wanted to color match one wall yeah I painted a wall wrong color yeah they were so close in the sunlight and the shadows and everything and then I got really close with a bright flashlight and I was like these are two different colors well the fact that they had two different colors in the basement the previous owners and they didn't clearly mark it on the can so now we've marked it right oh yeah I wrote a paragraph on it tip a big homeowner's tip is when you're painting list on the actual can in Sharpie what that paint color goes to you're like Ah that's dumb I Pro I'll know it you won't you won't and then you'll need to touch it up three years from now you'll be like yes this was for the guest room okay let's move on to fun we've spent some money in fun restaurants we were actually kind of on budget $75 over so not terrible we went out for dinner for your mom's birthday yeah and that was $100 does that go out of like restaurants or does that go out of fun or gifts what are we taking that out of it could be restaurants it could be fun I put it under restaurants so fin me I mean we've got fun money supplies in there so that we could move it and call it a day um shopping took a big hit I was sorting that out because I know I was doing we were doing a lot of Amazon purchases for various things and if you're anything like us when you're spending money at Target or Amazon sometimes with those specific items they belong in different categories and so you are trying your best to piece them out but on your credit card statement it's just going to tell you Amazon on your budgeting app it's just going to Label Amazon as shopping so you kind of do have to do some detective work at the end of your budget month to kind of figure out sort it out or if you're more proactive about it do it immediately or every week kind of do a Reconciliation of those Target and Amazon transactions because I find that I'm doing groceries and clothing and stuff for Quinn all in one transaction and I need to split it up just so I have it straight in my head um which I'm still kind of working on but we're here we're doing the budget so just FYI let's see let's see let's see gifts and Christmas taking a hit mainly because I was putting I put the $400 Christmas tree in the Christmas budget I put Christmas cards in the Christmas budget oh man so that was another $150 I want to say plus stamps was like $60 so this is quickly wait how much have we spend on Christmas cards dwindling $150 plus stamps mhm so we're spending 220 bucks yeah on Christmas cards that's about how actually this is the cheapest year cuz I even cut down our our address list Bro think an email they can print out the picture themselves I really love doing the Christmas card tradition this is wild to me is it many buckets of paint that is oh my goodness how much money do you spent on Christmas cards am I the only one who didn't know that it cost this much yeah Christmas cards are expensive and I didn't do them for the longest time and then you have a baby and then you're like I want to share this with the world that's honestly when we started doing Christmas cards is when we had Quinn okay yep we don't have to do them get a second job just to afford Christmas cards oh my God all right okay here's where okay this is where things get kind of tricky cuz if we go down to your work expenses you had about $1,200 in work expenses obviously you've been reimbursed for previous trips I don't know if you've been reimbursed for the last last trip that you've taken I don't know either I'll check and that truly is the last trip that you're taking yep right right right no more trips until baby is born we'll see that's the important part also on our future section I think I got things a little mixed up here we wanted to start putting $11,000 towards home upgrades only 500 got transferred I wanted to stop putting money towards the car fund but that was still going from just having it set up automatically with allly so $500 still went into the car fund even even though we already have the car but I think I thought what we talked about was that we kind of need to start saving for a new car yes so cuz like if we saved $500 a month for five years and put it in a low yield or high yield savings account by the time the Subaru was reaching its Max miles that we wanted to put on it it might be time for another car so you save ahead of time right yeah that's the way that I'm looking at it yeah okay so then 500 was not off base then yeah okay and then everything else looked pretty normal stash charged you an extra $3 I don't know if that's their subscription fee or what I don't remember them charging you okay I have to look that one up okay and then and that's it so we've got 1913 left over I mean I know what I want to spend I know what I want to spend it on then I'm also kind of like I think we need to save money for baby number two just like as a rainy day fund yeah we kind of got that going here 255 set aside yeah well I mean I'm thinking more like you've got to take you know take more time on off than you plan so we can use that to supplement income later I don't know what do you want to put it towards I mean I'd put it towards you know building out gym downstairs no more projects please let's just stop stop with the projects we could just put it into home improvement too cuz we've got you know the retaining wall thing coming up in the backyard oh boy yeah that does actually need to be addressed it does uh I'm inclined to make sure like Christmas is taken care of fair enough since our gifts pot of money is down yeah and I need to make sure that this balance is accurate from the previous months and make sure that's all tallied up correctly because I did which uh budget sheets kind of halfway through so let me just make sure that this is correct but I do want to make sure like the gifts Christmas budget is set making sure we have enough money for that I know we will it's just a matter of parsing it out so so it's Christmas you said Home Improvement Home Improvement and and baby fund yeah okay I think we could do a good job of splitting up the extra money into those three pots okay cool I can't believe the next time we're going to be filming like we might have a baby I know we might not and you're going to be real uncomfortable I'm going to be so uncomfortable if I'm filming and still pregnant January 2nd might be doing it while you're in labor could you would you guys like that no that'd be weird no I wouldn't like that we're not doing that don't even answer that question all right that was your look at our budget hope you enjoyed it I certainly did it we got through November and uh you got your office I did so happy days are ahead Sleepless days are ahead yes yes they uh show us some love in the comments give this video a big thumbs up if you are still here for beers and budgeting if you've been following us over the years years that we have done this I mean you could binge watch this over your Christmas break please don't I'm like cringing at what we used to say I don't even know what we said but anyway anyway we appreciate you we love you and we hope you guys have a very happy holidays however you celebrate Christmas Hanukkah Quanza and more uh we hope that it's surrounded with peace and love and joy and we will catch you in the next episode see it see you deuces [Music] oh [Music]