Surviving Life with a baby Part 4: The Yearly Schedule

There are things we have to do every year, that are sometimes easy to forget. If you write them down ahead of time you might just remember, before they spring up and surprise you.

Before the baby was born I read a book about surviving marriage after a baby. Personally I found most of the information in there to be horrible advise that would never work for my and my husbands relationship. In fact I thought the book was down right deplorable all around. Which is why I’m not going to mention the name of it. However, I did find one really good piece of advice in the financial section of the book. The author recommended making a list of all the yearly expenses including one time expenses such as vehicle registration and inspection. They also noted anniversary gifts, birthday gifts, monthly bills etc. etc. I took that idea and I also applied it to yearly events.

If you want to survive life with a baby finances and understanding your own finances is a big part of that. I had originally created a list before the baby was born, but at this point it is obsolete we have so many new expenses. Expenses I had not considered we would have prior to the babies birth. Here is just a brief sample of how our year looks.

January:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Visit Daniels father (First Saturday Brew day)

February:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Inspection/Registration (Car), Anniversary

March:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Tax returns Oil Change

April:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: NA

May:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Daniels Birthday

June:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Visit Daniels’ Dad (first Saturday of the month Brew day), Oil change

July:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Wesley’s Birthday, New planner

August:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: (In the future we will have to add schools clothes and school supplies shopping here.)

September:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Oil change

October:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Halloween (Costume shopping for Wesley)

November:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: My Birthday, Thanksgiving

December:

Monthly bills: Rent, Electric, Internet, Phone, Netflix, and Car insurance

Events: Christmas, New Years, Oil Change

This is just a basic run down of all of the expenses that occur regularly from year to year in my household I would add more detail, but that would in my opinion open my family up to too much visibility. I don’t care to share my families true financial situation as it is in my opinion very embarrassing, but we are in the process of working on it. Soon our debt will be much smaller I hope. However, if you want to do well writing down every unexpected finance you might encounter throughout the year such as oil changes, vehicle inspection and even license replacement are good things to remind yourself of. For instance a good thing that I didn’t add to my sample list is my husbands food handlers card it is something he needs for work that he has to renew every 2 years and it cost money. His work clothes, I swear I replace those two or three times a year because of how rough he is on them that should be included. Take a day or even a week to consider every single expense that you end up having to pay each year even if it is a one time thing. Do you have a copay for Dr’s appointments? Do you know there’s one or two months that you somehow end up seeing the Dr every year for those appointments? Include those.

Birthdays, anniversaries for friends or family that you celebrate by providing gifts include that. This list is called the everything list and it should include everything. Chores and errands can be broken down this way too. There are certain things we only do a couple of times a year, there are things we do every month, or only every few months. The everything list can help us work together with out spouses not only to help alleviate some of the work load, but also help prepare us for our financial situation. When we as parents can see the impending future we can prevent and lower stress by preparing for the inevitable. Of course we all have unexpected expenses that are bound to occur. We have to replace a broken window, or a flat tire. We have an unexpected work event, or an unexpected accident. Things like this happen all of the time, and that is what an emergency fund or savings account is supposed to be for. However, if you can plan for the known you can then better plan for the unknown by writing all of it down before it occurs you can prepare yourself for the unexpected, because you already know where the money is going for the year.

 

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