Budgeting on a Teacher’s Salary

Teachers make a fair salary, but we are far from wealthy, monetarily that is. My family relies heavily on my income, with my husband going to College and only working part time, budgeting is the only way we get by.

After some time, we have almost completely mastered the art of budgeting, so I am going to share some of our tips, tricks, and editable documents that you can use for your budgets, even if you aren’t a teacher!

There are no affiliated links on this page!
Some/All images come from Pexels.com – the royalty free collection of stock photos.

According to Every Dollar, which is an incredible app for tracking spending, we should only spend a certain amount of our income on food, housing, charity, etc.

If your budget does not look exactly like this, that’s okay! I know ours doesn’t. Some people have more debt than other, like student loans. My resources seem to be useful for every individual in every income bracket.

Bill Due Date Calendar

I create my Bill Due Date Calendar every month, depending on the bills that we have coming in. We put this calendar on our phones and on our fridge. This helps us keep track of what money is coming in and going out, so we know what we should and should not spend.

You can download the editable calendar that I use below.

I like to check my Bill Due Date Calendar anytime I make a purchase. With this method, I never overdraft anymore!

The amount we pay in bills varies by the month (sometimes even the week)! It is important to create a new calendar each month, if your bills are like ours. I tried to just use one “generic” calendar but I got confused and ended up overspending. For me, the extra effort makes a huge difference.

Spending Log

Do you remember the old school Check Book Register that came with a stack of checks? Some people still use them, but I prefer to keep a spending log on my phone or computer. I have recently discovered Anastasia’s digital log on Etsy. Hers is cute, functional, cheap, and reusable! It is a digital download that you can keep reusing month after month.

You can use this code DIYDIARY10 to get 10% off your order for this digital spending log! But hurry because this code is only valid until February 3rd, 2019!

Digit App

So this is a new one for me! I have recently downloaded the Digit App, which rounds up each of your bank transactions to create a “Rainy Day” savings. You can also create a “goal,” which you can save toward.

I was originally concerned about transferring too much out per day, but you can even set up a daily transfer limit. Unlike typical savings accounts, you can withdraw your money as many times as you want and as often as you want. You even earn 1% interest every 100 days.

My favorite feature, however, is that Digit will transfer money from your “Rainy Day” savings to your checking account if you are about to overdraft!

This app does cost around $3 a month after your first 100 days. At least you can see if you like it before you buy it!

I hope you find these tips useful, and I would love to hear some of your favorite budgeting tips! 

Don’t forget to like and follow this page for more posts like this!

Advertisements

Create Your Own Pinterest Laundry Room for Under $50

Hey, guys! This week, I took on the task of creating my own “Pinterest Worthy” Laundry room. It was by far the worst room in the house, but now it is one of my favorites!

This post has affiliated links that will provide a small profit, at no cost to you, should you purchase from that link.
All/most images are from Pexels.com, a royalty free website, for which I have a subscription.

Let me just warn you, our laundry room was pretty gross. It was disorganized and scattered in clothes. It is also the home of our cat’s litter boxes, so it was, at times, hard to glamorize.

The room itself wasn’t dirty, it was just terribly disorganized. So I headed off to Amazon, where every decorator can find his/her muse.

Amazon is an incredible place to bargain hunt, and that’s exactly what I did!

I bought:
pet food bin to hide eyesore paper bags ($16)
canvas bags to store and hide cleaning items on our shelving ($22)
curtains to match the color of the room ($11)

I re-purposed:
– a metal tin that I bought for a party months ago – similar to this, though mine isn’t this cute!
– a small side table – like this one
– a small wooden basket for dryer sheets – similar to this
glass jars to hide laundry detergent and softener containers

I recommend re-purposing as many things as possible, because this is where you save the most money. I never throw furniture, baskets, or bags away for this very reason!

I encourage you to look around your own house. What are you not using? How could it benefit you somewhere else?

I reorganized everything based on purpose and placed them in my canvas totes. This added decoration and organization to my otherwise drab shelving. It has also helped me out enormously when doing laundry! I know exactly where stain removers are, without digging through cabinets!

I put our dog towels in the metal tin. This freed up so much space in our cabinets that we could use for something else, and since we use our dog towels so often, it became far more convenient! I ended up sitting this on top of a side table that I smooshed behind the dryer. It ended up actually looking like a shelf, and I love it!

I put laundry pods and fabric softener beads in their designated glass jars. At first, I wasn’t going to put the dryer sheets in a decorative box, but it felt like such a waste, so I re-purposed an old box we had in our closet! It looks fab!

Last, but not least, I hung up curtains and new decoration (which I made from old fabrics and various sized embroidery hoops). It looked great so far!

I cleared out full laundry baskets, resolving to finally fold them punctually, and I rearranged the litter boxes (which I didn’t include in the pictures because who want to see kitty poo? No one!). All in all, I ended up very pleased with my “transformation.” There are some things I would love to accomplish, like a decorative wall-paper wall or new wooden shelving, but for now, this will be perfect. Until next time, happy DIYing.

Oh! You didn’t think I forgot did you? Our winner for last week’s giveaway is… Heather Kennedy!

Please email me at diydiaryblog@gmail.com for more information about your prize.

Faithful readers, don’t forget to like and share this post with your friends and family.

 As always, thank you for reading. 

If you are interested in supporting this blog, you can donate, or you can purchase from our Etsy shop here!

New Year – New Giveaway

Who likes free stuff? Literally everyone!

This page has affiliated links. I will receive a small portion of the profit, if you click and purchase from these links. There is no additional cost to you!

Some/All images come from Pexels.com – the royalty free collection of stock photos.

pexels.com

Without some of my loyal subscribers, I wouldn’t be where I am now with my blog. I cannot thank you guys enough. You have encouraged me and really made me feel like one of you. Specifically Haphazard Homemaker! Girl, I love you. Go check out her page here.

As a way to thank all of you wonderful people for your support, I will be hosting a monthly Giveaway!

In order to be eligible for the drawing, you must like this post and share it on some form of social media. I will draw for a winner and it will be announced on next week’s post!


This month, I will be giving away a gold portable charger. I live by these things. You will love it, guaranteed.

This blog is supported by it’s viewers. If you would like, you can donate here.