Thursday, February 7, 2013

Budget Calculators

If you are like me, or most teachers, then money is always a concern. There have been points in my life where I didn't know how I was going to make it on my own. This is not because I am irresponsible with my money, it is just that a domino effect takes place!

Take 3 weeks of last year for example:
  • My dog got sick on Christmas Eve. After a trip to the emergency vet, hours of testing, and much heartbreak, I found out he had cancer and had to be put to sleep. $800 bill I was not expecting. 
  • My car broke down 3 days after Christmas and it took around $500 dollars to fix 
  • My laptop hard drive died a week and a half later out of no where.  
A few other unfortunate circumstances occurred as well, but I'm not writing a tragedy here just trying to make a point that in the span of 3 weeks I accumulated somewhere in the neighborhood of $2,000 of debt that no one could have seen coming. 

I am really cautious with my money and usually take 6 months to a year before I buy something that I really want if it is over $50 dollars. 

I was talking to a co-worker about this the other day and she wanted me to explain my thinking. I told her that if I still want it after all that time I am sure that it is a purchase I really want to make, not just a whim. 

She asked me what the last item I waited to purchase was and I replied without hesitation, "A 3.5 inch cool gel memory foam mattress topper."  

Her first response was that I sounded incredibly boring. Her second response was that that is NOT how her brain works. She says she would think to herself, "What if I were to die tomorrow having never slept on a 3.5 inch cool gel memory foam mattress topper?"

I think she and I (and all teachers on the Ramen Noodle budget that we are on) can learn about budgeting our money wisely. 
I wrote yesterday about a awesome calendar template I found on the Microsoft website. 

Well, I kept looking and I found 3 really neat budget templates that I thought I would share as well!

My favorite two templates were for college students, but they are editable to fit your needs!

Check them out below!


  1. I get paid once a month, so budgeting is a huge issue for my family. Thanks for sharing.

    1. Tis the life of a teacher....gotta love it!