Since I am completely debt free, there was a lot of room to adjust my budget. Primarily, I am saving more money and bumping up some spending categories where I notoriously spend over or that I just wanted to bump.
Last year, I didn't save in our 401k (no matches at work) or in my own IRA because I wanted to finish my six-month fund. Now that that isn't an issue, it's time to focus!
My new monthly budget looks like this (numbers are rounded and such):
Paying Myself First
Savings for Future Spending
Annual expenses: $73
Gifts/Holidays: $150HSA: $93 (yeah, finally opened one)
Rent and utilities: $1015 (subject to increase, boo)
Rental insurance: $8.67 $9.30
Cell phone: $78
Cable & Internet: $108
Laundry & Dry Cleaning: $60Groceries: $300
Stuff I Enjoy
Dining out: $300
Clothing, shoes, accessories $300Hair, Cosmetics and other purty things: $100
The total actually bumped my six-months living expenses total from about $16,000 to $17,500, which I already have saved in an online account thanks to my savings in 2009 and my 2010 bonus.
So far, so good.