Wednesday, July 28, 2010

Budgeting 101 - Necessities

In my budget, you may have noticed that we budget for groceries and then what we call "necessities". You may be wondering what all that entails and I hope to answer that in this post.

We are pretty minimal from what we used to be a few years ago when I 'had to have' all different kinds of perfume, hair products, face items, etc. However, I learned I don't need all that and I'm quite content with just the basics. Our necessities budget is separate from our grocery budget. Meaning, when I spend $120 a month on groceries that is JUST food, not necessity items.

So what counts as a necessity for our family? Here is our list and we only buy as needed:
  • Toilet paper
  • Deodorant
  • Shampoo & Conditioner
  • Soap - for shower use and to make my liquid hand soap
  • Toothpaste
  • Toothbrush
  • Breath mints
  • Trash bags
  • Aluminium foil, plastic wrap, ziploc bags
  • Lysol
  • Face lotion
  • Contact solution
  • Hair gel
  • Body spray
  • Dishwasher gel - sometimes I make my own
  • Baking soda
  • Dish detergent - I use Ajax
  • Vinegar, tea tree oil for my homemade all-purpose cleaner
  • Borax, washing soda and Fels Naptha for my homemade laundry soap
  • Q-tips
  • Cotton balls
  • Dryer sheets
  • Fabric softener
  • First Aid items
  • Sunscreen
  • Razors

I keep a price list of my necessities so I know what price they average. Most of the items above are not purchased monthly, but rather bi-yearly or yearly. We used to buy paper towels all the time but you really could do without and we like using hand towels for drying our hands. I also don't use perfume because I love fruit smelling body sprays and evidently the bees love it too because they won't leave me alone haha. ;-)

For my hair, I'm pretty minimal now - shampoo, conditioner, coconut oil and a comb! I don't need anything else, except if I curl my hair I will use my heat-protectant spray but I haven't done that in a long time.

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candy ♥ said...

i love reading lists like this :)

Christian Homekeeper said...

Thanks Candy! :)


Angie said...

Ha Ha! Body spray and hair gel is NOT a necessity. Sorry I just had to poke fun at those. Our list is pretty much the same, except you don't have Pepto on yours. Would that be considered a first aid item? Do you shop at discount stores( Dollar General, Family Dollar, or Wal-mart, etc.)?

Christian Homekeeper said...

Hubby will testify that his hair gel IS definitely a necessity hehe - you don't want to see his hair without it. He has very thick hair, he has to use a lot of gel to keep it down.

As far as body spray, ya not a necessity but for me I don't want to go without it but I have before.

Yes, first aid items would be bandaids, medications, etc. We do try to do all natural though and I use 2t Apple Cider vinegar diluted in 12oz water for upset stomach, diarhea, heartburn, etc. It works everytime!

Mostly I get these items at Wal-mart and Winco. I go to the dollar store a few times a year but its out of my way or I would go more often.

Thanks for the comment Angie! :)


Anonymous said...

GEL IS A MAJOR NEED HERE! :0) My man and my two boys would be having some funny hair.

My list is pretty similar. It does help to know that that isn't in your Grocery money. I have always combined mine. But I think I might try to seperate the two to keep better track.

sid said...

Hi , I'm a husband 22 years, this list is the way ,I would love to see the household run,what do I do to help my wife see this? She says she is not materialistic,but the truth is ,she is,motivated by every gadget,modern look ect. I am practical,but very giving too. And am not trying to be a hitler type husband or father.


Christian Homekeeper said...

Hello Sid, well congrats on being married for 22 years, that is wonderful!

I can't really help or give advice - I don't know your situation and I'm not a counselor or Pastor or anything. I just blog what works for us, my opinions and so forth and hopefully others can glean something useful from something I shared in their lives.


sid said...

Thank You ! I will just keep watching your blog and pray !

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