First budget meeting!

The hubby and I sat down to have our first 'official' budget meeting last night, but I'm not sure it went the way I thought it might. I pictured things getting heated, both of us having ideas and goals for our money, but that's not the way it went, and actually, I'm a little dissapointed.

My husband seems a bit disinterested in the subject, and says that I can do whatever I want. The problem is that while he doesn't spend a lot of money, when he does spend, it's usually spur of the moment. For example, our son is completing his pinewood dirby car for boyscouts, and my husband needed to "run out for a few supplies" last night after our budget talk. He spent nearly 100.00 dollars of our already strapped budget.

Again, this is a rarity for him, but it does mess things up quite a bit. When he fails to take an interest in how the money is spent, I take the weight of rearranging our budget to make it work. At any rate, our budget won't begin until the first of April as we have already shot ourselves in the feet for this month. We failed to budget our last paycheck, and are now seriously paying for it. Literally. We somehow need to have necessary car repairs (unplanned for) and pay all bills from our end of month pay.

Here is where we will pick it up with the first April paycheck. I am going to try the 1/2 payment method, and because I don't (at this point) trust myself to leave money in the back until I need it, I am going to pull out that half and place it in its own envelope to be redeposited when the bill comes due.

Payday 1 and 2 for my husband will look the same:

Mortgage: 400
Van: 200
Insurance: 51
Cell: 125
Groceries: 200
Gasoliene: 125
Internet:  25


This will leave extra money on my husband's second pay period that will all go directly to debt.

My paycheck will be as follows (not 1/2 payments as I get paid monthly). Mine is primarily going to be used to pay down debt.

Cap 1 (me): 80
Cap 1 (hubs): 80
Credit card (me): 50
Firestone card:  50
Student loan (me): 50
Electric bill : 150
Gas Bill: 150
Water bill: 86
Fun money for month: 200
Eating out: 200

Everything else is going to directly to our debt. It isn't perfect, and I'm sure it will change a million times, but it's a good place to start.