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Re: Budgeting for Home Expenses @nolesrule I meant Household Goods vs. Home Improvement.
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- 2 wk ago
- Method & Budgeting
- Reported - view
Re: Budgeting for Home Expenses @nolesrule I've been thinking (probably overthinking) this category. Do you put these $50 items into Household Goods because they happen with some level of frequency?…
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- 2 wk ago
- Method & Budgeting
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Re: Quick Budgeting: Budgeted Last Year? @nolesrule thank you! I think I figured it out, and it's beyond helpful. 3 Questions: 1. How would you set your budget in these categories as a first time homeowner?…
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- 3 wk ago
- Method & Budgeting
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Re: Quick Budgeting: Budgeted Last Year? @nolesrule can you give an example of the workflow/calculation used to do this?
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- 3 wk ago
- Method & Budgeting
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Need Help Overhauling Budget: Way too confusing
I've been using YNAB for a few years now, and it has been a great tool to help me plan spending. We are buffered 1 month, and have been able to save enough to buy a house with a renovation as well.…
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- 3 wk ago
- 14 replies
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Re: Budgeting for Home Expenses I have a notoriously difficult time budgeting for Home/Wish type expenses. I just bought paint samples for the paint before having the rooms in the house painted.…
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- 1 mth ago
- Method & Budgeting
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Re: Budgeting for Home Expenses @Scott When you do that do you then hide the Wish Farm category, or delete? Do you ever budget to the main Home Improvement category directly? If so, how do you decide what you are going to budget?…
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- 1 mth ago
- Method & Budgeting
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Re: Budgeting for Home Expenses @Scott I like this approach. I do Household Goods for cleaning supplies, paper towels, etc. When it comes to your Home Improvement wish farm, do you create separate categories with a goal for each…
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- 1 mth ago
- Method & Budgeting
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Re: Budgeting for Home Expenses @dakinemaui Household Goods seems like a big catch-all for you. How do you budget that category? Would a new couch fall there for you?
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- 1 mth ago
- Method & Budgeting
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Re: Budgeting for Home Expenses @nolesrule What else would fall into Household Goods? What is the difference between Household Goods and Home Improvement? New Sheets, Shower curtain, etc.…
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- 1 mth ago
- Method & Budgeting
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Re: Budgeting for Home Expenses @dakinemaui Sorry, I meant pay for equipment (i.e. ADT).
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- 1 mth ago
- Method & Budgeting
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Budgeting for Home Expenses
I'm a first time homeowner who is going through the process of a renovation prior to moving in. Some of the renovation items are for replacement/fixes that came out of the Home Inspection (i.e.…
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- 1 mth ago
- 26 replies
- 139
- Method & Budgeting
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? The responses in this thread are the reason that I asked the question to this community in the first place. I anticipated getting a good response, and got tons!…
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- 1 mth ago
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Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @Superbone Your response was super, super helpful. I never thought of it this way. I have the cash reserves, and I can always use the 401K in an emergency if needed.…
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- 1 mth ago
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Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @farfromtheusual Everything is said and done with the mortgage.
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- 1 mth ago
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Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @nolesrule In my case it would be a loan, not a withdrawal. It would get paid back on a bi-weekly basis from my paycheck. Your point about it being paid with after tax dollars is totally well taken.
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- 1 mth ago
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- Reported - view
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @WordTenor Appreciate your words! My wife and I are definitely trying to balance our need vs. nice to have. Unfortunately the prior owner was an older couple that neglected the house.…
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- 1 mth ago
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Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @jenmas Thanks. I'd be able to pay back if I left the company using direct deposit, but your points are well taken. Thank you!
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- 1 mth ago
- Saving
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Home Renovation: Use 1 Month Buffer, or 401K Loan?
My wife and I are new homeowners. We are doing some renovations on the house before we move in. Hey there! I'm looking for your perspective on something.…
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- 1 mth ago
- 24 replies
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Re: Budgeting for first time Homeowner @nolesrule How would you categorize tools you buy for the house, and misc. items (i.e. mailbox, new locks, etc). How do you budget for those on a monthly basis?
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- 1 mth ago
- Method & Budgeting
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Re: Budgeting for first time Homeowner @Move Light Sound Life so in your example, do you not budget into the Technology replacement category?
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- 2 mths ago
- Method & Budgeting
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Flagging Categories to use Elizabeth Warren's System
I'm a big fan of Elizabeth Warren's system of Needs, Wants and Savings to maintain a healthy balance in your budget. I also like the ability to categorize my budget in categories like Home, etc.…
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- 2 mths ago
- 1 reply
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Re: Budgeting for first time Homeowner @nolesrule How would you handle something like Home Electronics, or Kitchen Supplies? There will be situations where you have a need, I.E. a TV broke, and other times you have a working TV,…
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- 2 mths ago
- Method & Budgeting
- Reported - view
Re: Budgeting for first time Homeowner @nolesrule Two questions: 1. What was the thought process of breaking up the prepaid items that you have to "pay" at closing, and other costs? 2. We live in a VHCOL (Westchester) and already have a…
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- 2 mths ago
- Method & Budgeting
- Reported - view
Budgeting for first time Homeowner
I'm in the process of closing on my first home. I'm looking for budget setup feedback, and pro's and con's for each method. There are 3 things that we are budgeting for now Closing Costs Renovations…
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- 2 mths ago
- 14 replies
- 166
- Method & Budgeting

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