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How To Budget For Large Expenses

Modified on June 7, 2018 at 10:22 AM

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How To Budget For Large Expenses

Having a family comes with its demands on your finances. In 2017, the cost of raising a child until age 17 was pegged at $233,610 and home prices had increased by 6.5 percent. From paying for childcare and school fees to mortgages and health care premiums, Americans are spending more and saving less withย households saving an average of 3.8 percentย of their disposable income in 2017. With these financial obligations, making large purchases such as a new car, kitchen appliance orย finally doing that kitchen or home renovationย can become a complicated process as you balance your familyโ€™s budget against your new purchase. So can you manage those large purchases while still remaining abreast with your finances? Check out these tips that can help you do just that.

Do your research

A part of your research when making large purchases includes a comparison of costs between suppliers and looking at the various financing options available to you. One choice would be to use savings but larger purchases are also commonly financed using personal credit options including credit cards and personal loans. Whenย putting together funds for large purchases, be sure to look at the cost of financing attached and go for cards offering promotional 0 percent interest charges which gives you a break from interest charges for the specified period. Some credit cards nowย offer the Pay It Plan It featureย allowing consumers to pay down large purchases using an installment plan, interest-free. Comparison websites online can help you narrow your choices of both credit cards and personal fixed interest borrowing options available today and more importantly, help you understand the terms of each.

Failure to plan is planning to fail

Once you are able to estimate your costs and define your goals (time of purchase and method of finance), it is time to plan your route to purchase. If you have chosen to go the savings route,ย drawing up a budget of household expensesย is a great first step to narrow down any areas where you can cut costs and increase savings. The same also applies in the event of you choosing credit financing, so that you can be sure of affording your repayments monthly.

Make it a habit

There are grocery expenses, child expenses, and those all too familiar impulse purchases. However, by counting your repayment or saving each month as a bill and fitting it into your monthly budget, you can ensure that you are working towards your goal each month. One way to do this is to open up a separate savings account dedicated to your purchase and set up an automatic payment each month. The monthly amount would be derived from your budgeting process, once you have figured out the amount you can save each month.

You can also choose to save cash and use a dedicated cash envelope instead. It is often said it takes 21 days to form a new habit, modeled after Dr. Maxwell Maltzโ€™s work. To help you stay on track to achieving your goal, utilize reminder and motivation tools such as tracking apps on your phone and automatic reminders each month around payday. Before you know it, saving for your purchase will become second nature and you are well on your way to achieving your goals.

How To Budget For Large Expenses

Always have a backup plan

As always, it is a prudent thing to have a backup plan should your purchase not go the way it is expected. In this case, this can mean exploring alternative income sources should your household budget experience any unexpected increases. With kids in the picture, financial planning is not always an exact science. You can always look at other ways of paying for your item and keep in mind the finance costs attached. One example is most furniture stores offer layaway plans that allow you to spread your repayments over a set period.

In the event you cannot meet your savings goals and urgently need the item (for example, a car), then you do have other options. The same principle applies to income sources should you want to speed up the saving process and make your purchase earlier. Side businesses such as selling unused items on eBay, survey taking or pet and house sitting are allย some simple great ideas for additional income.ย So whether it is taking a hard look at your budget or being creative to cut expenses, or simply bumping up your income you can find a suitable way of making those large purchases that is ideal to you and your family life.

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Posted By The Fashionable Housewife
on June 7, 2018 at 7:21 AM
Filed Under: Finances
Tagged With: Budget, budgeting, debt, expenses, finances, home renovations

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

Disclaimer

The Fashionable Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for blogs and websites to earn advertising fees by advertising and linking to Amazon.com. We alsoย participateย in various other affiliate programs, and we sometimes get a commission on purchases made through our links. There is no extra cost to you! For more info, please see our Disclosure & Privacy Policy.

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Sarah-Jean Ballard

Hi! Iโ€™m Sarah-Jean. Iโ€™m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

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๐•Š๐•’๐•ฃ๐•’๐•™ | Fashionable Homemaker & Large Family Life
This is what our homeschool looks like sometimes. This is what our homeschool looks like sometimes. ๐Ÿฅณ

Canโ€™t believe my oldest son is 13 and outside helping dad do home projects like building a new deck. ๐Ÿคฏ Seems like yesterday he was in his walker on this back deck and it looked a lot better ๐Ÿ˜‚

Thankful that @homedepot has great prices so we could finally afford to do this home reno project! ๐Ÿ’ช๐Ÿป๐ŸŽ‰

#motherhood #motherhoodunplugged #hereisourhomeschool #motherhoodthroughinstagram
My first born son turned 13 years old today. ๐Ÿ˜ฑ My first born son turned 13 years old today. ๐Ÿ˜ฑ

Somebody hold me. ๐Ÿ˜ญ

I asked him if he could stay 12 for one more year but he didnโ€™t like that idea. ๐Ÿ˜’ Was worth a shot, right? 

Scroll for the outtakes ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

This kid blows me away daily and makes me so proud to be his mom. I donโ€™t have enough words to describe how much I love this child. ๐Ÿ˜ญ

Drop a comment and wish this boy a happy birthday! ๐ŸŽ‰๐ŸŽ‚ 

#homeschoollife #homeschoolfamily #momlife #momlifeunfiltered #momlifeunplugged
Being a mom is hard. Being a mom and trying to sta Being a mom is hard. Being a mom and trying to stay healthy and fit is harder. ๐Ÿ‹๐Ÿผโ€โ™€๏ธ๐Ÿฅต

Luckily, there are holistic wellness products that can help make the motherhood journey easier!

Lost Empire Herbs stands out as a remarkable family venture led by three health-conscious brothers who share a profound dedication to a wholesome, active lifestyle. 

Their journey began with a modest kitchen table and the introduction of pine pollen, but it has since evolved into something truly remarkable, exceeding all expectations.๐Ÿ˜ฑ

What truly sets Lost Empire Herbs apart is their extensive collective knowledge, derived from years of hands-on experience, unwavering commitment, and a willingness to explore new horizons. Driven by a genuine desire to enhance lives, they made a resolute decision to make the benefits of these exceptional herbs accessible to a wider audience. 

Their primary focus revolves around offering hormonal support, a vital consideration given the prevalence of endocrine-disrupting compounds in today's world, although their scope extends beyond this singular realm. ๐ŸŒฑ 

I'm genuinely enthused about the prospect of trying out their products, eagerly anticipating the chance to personally experience the transformative effects of these wellness herbs. The brothers' evident passion and expertise have left me intrigued and eager to embark on a journey towards total wellness, guided by the offerings of Lost Empire Herbs.

@lostempireherbs #lostempireherbs #holistichealth #holistichealing #holisticwellness #holisticlifestyle #motherhoodunplugged #motherhoodjourney #motherhoodthroughinstagram #unleashthepowerofnature #rootingforyourhealth #hormonehealth @apexdropofficial
Slow down a little and visit @storylandnh !! It s Slow down a little and visit @storylandnh !!

It seems like summer is almost over and youโ€™re probably scrambling to get all the things done on your bucket list. But donโ€™t forget to slow down and have some fun with your kids this summer!!

Story Land in Glen NH is a great way to make some beautiful summer memories with your family! If you live in the New England area, definitely plan a visit before summer slips through your fingers, mama! โ˜€๏ธ ๐Ÿ–๏ธ 

LIKE + SHARE if you needed this reminder to slow down and have fun! 

#motherhoodunplugged #motherhoodjourney #momlifeunfiltered #motherhoodrising #motherhoodthroughinstagram
Looking for something fun to do in New Hampshire t Looking for something fun to do in New Hampshire this summer? Living Shores Aquarium in Glen NH is an indoor walk through adventure that allows your whole family to discover the wonders of the ocean year-round. 

The aquarium includes interactive tide pools, exhibits, and tons of immersive activities. See otters, touch sting rays and nibble fish, interact with tropical birds and so much more. They even have axolotls and sharks! There is so much to see. We spent over 3 hours exploring the exhibits! And of course we had to stop in the amazing gift shop before we left. Donโ€™t miss it! 

Living Shores is a fun, interactive environment that is perfect for the whole family! If youโ€™re going to visit the White Mountains this summer, definitely make time to stop at @livingshoresnh! ๐Ÿ  ๐ŸŸ ๐Ÿฆ€ 

COMMENT and tell me which part your kiddos would like the best! ๐Ÿ‘‡๐Ÿป

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Donโ€™t be fooled. You donโ€™t need the perfect br Donโ€™t be fooled. You donโ€™t need the perfect branch to hang a swing in your yard. All you need is a tree and Slackers Build A Branch!

I got mine from @bolderplay! ๐Ÿฅณ

Would this product solve a common problem for you too?! Comment and let me know! ๐Ÿ‘‡๐Ÿป

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#motherhoodunplugged #motherhoodrising #momlifebelike #motherhoodthroughinstagram #motherhoodjourney
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You canโ€™t fall asleep!!!!!
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Oh the joys of motherhood! Anyone else relate?!! ๐Ÿ˜ฎโ€๐Ÿ’จ๐Ÿฅฑ๐Ÿ˜ณ๐Ÿ˜ณ๐Ÿ˜ณ

#momhumor #honestmom #parentinghumor #motherhoodunplugged #motherhoodjourney #motherhoodrising
Mother is weird like that. ๐Ÿคท๐Ÿผโ€โ™€๏ธ๐Ÿ™ƒ Mother is weird like that. ๐Ÿคท๐Ÿผโ€โ™€๏ธ๐Ÿ™ƒ

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This is what our homeschool looks like sometimes. This is what our homeschool looks like sometimes. ๐Ÿฅณ

Canโ€™t believe my oldest son is 13 and outside helping dad do home projects like building a new deck. ๐Ÿคฏ Seems like yesterday he was in his walker on this back deck and it looked a lot better ๐Ÿ˜‚

Thankful that @homedepot has great prices so we could finally afford to do this home reno project! ๐Ÿ’ช๐Ÿป๐ŸŽ‰

#motherhood #motherhoodunplugged #hereisourhomeschool #motherhoodthroughinstagram
My first born son turned 13 years old today. ๐Ÿ˜ฑ My first born son turned 13 years old today. ๐Ÿ˜ฑ

Somebody hold me. ๐Ÿ˜ญ

I asked him if he could stay 12 for one more year but he didnโ€™t like that idea. ๐Ÿ˜’ Was worth a shot, right? 

Scroll for the outtakes ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

This kid blows me away daily and makes me so proud to be his mom. I donโ€™t have enough words to describe how much I love this child. ๐Ÿ˜ญ

Drop a comment and wish this boy a happy birthday! ๐ŸŽ‰๐ŸŽ‚ 

#homeschoollife #homeschoolfamily #momlife #momlifeunfiltered #momlifeunplugged
Being a mom is hard. Being a mom and trying to sta Being a mom is hard. Being a mom and trying to stay healthy and fit is harder. ๐Ÿ‹๐Ÿผโ€โ™€๏ธ๐Ÿฅต

Luckily, there are holistic wellness products that can help make the motherhood journey easier!

Lost Empire Herbs stands out as a remarkable family venture led by three health-conscious brothers who share a profound dedication to a wholesome, active lifestyle. 

Their journey began with a modest kitchen table and the introduction of pine pollen, but it has since evolved into something truly remarkable, exceeding all expectations.๐Ÿ˜ฑ

What truly sets Lost Empire Herbs apart is their extensive collective knowledge, derived from years of hands-on experience, unwavering commitment, and a willingness to explore new horizons. Driven by a genuine desire to enhance lives, they made a resolute decision to make the benefits of these exceptional herbs accessible to a wider audience. 

Their primary focus revolves around offering hormonal support, a vital consideration given the prevalence of endocrine-disrupting compounds in today's world, although their scope extends beyond this singular realm. ๐ŸŒฑ 

I'm genuinely enthused about the prospect of trying out their products, eagerly anticipating the chance to personally experience the transformative effects of these wellness herbs. The brothers' evident passion and expertise have left me intrigued and eager to embark on a journey towards total wellness, guided by the offerings of Lost Empire Herbs.

@lostempireherbs #lostempireherbs #holistichealth #holistichealing #holisticwellness #holisticlifestyle #motherhoodunplugged #motherhoodjourney #motherhoodthroughinstagram #unleashthepowerofnature #rootingforyourhealth #hormonehealth @apexdropofficial
Slow down a little and visit @storylandnh !! It s Slow down a little and visit @storylandnh !!

It seems like summer is almost over and youโ€™re probably scrambling to get all the things done on your bucket list. But donโ€™t forget to slow down and have some fun with your kids this summer!!

Story Land in Glen NH is a great way to make some beautiful summer memories with your family! If you live in the New England area, definitely plan a visit before summer slips through your fingers, mama! โ˜€๏ธ ๐Ÿ–๏ธ 

LIKE + SHARE if you needed this reminder to slow down and have fun! 

#motherhoodunplugged #motherhoodjourney #momlifeunfiltered #motherhoodrising #motherhoodthroughinstagram
Looking for something fun to do in New Hampshire t Looking for something fun to do in New Hampshire this summer? Living Shores Aquarium in Glen NH is an indoor walk through adventure that allows your whole family to discover the wonders of the ocean year-round. 

The aquarium includes interactive tide pools, exhibits, and tons of immersive activities. See otters, touch sting rays and nibble fish, interact with tropical birds and so much more. They even have axolotls and sharks! There is so much to see. We spent over 3 hours exploring the exhibits! And of course we had to stop in the amazing gift shop before we left. Donโ€™t miss it! 

Living Shores is a fun, interactive environment that is perfect for the whole family! If youโ€™re going to visit the White Mountains this summer, definitely make time to stop at @livingshoresnh! ๐Ÿ  ๐ŸŸ ๐Ÿฆ€ 

COMMENT and tell me which part your kiddos would like the best! ๐Ÿ‘‡๐Ÿป

 #familytime #motherhoodunplugged #momlifeunfiltered #whitemountains #familygoals #familyfriendly
Donโ€™t be fooled. You donโ€™t need the perfect br Donโ€™t be fooled. You donโ€™t need the perfect branch to hang a swing in your yard. All you need is a tree and Slackers Build A Branch!

I got mine from @bolderplay! ๐Ÿฅณ

Would this product solve a common problem for you too?! Comment and let me know! ๐Ÿ‘‡๐Ÿป

Motherhood is hard. Sometimes cool products make it easier! ๐Ÿ’๐Ÿผโ€โ™€๏ธ

#motherhoodunplugged #motherhoodrising #momlifebelike #motherhoodthroughinstagram #motherhoodjourney
Youโ€™re so exhausted you feel like youโ€™re gonna Youโ€™re so exhausted you feel like youโ€™re gonna die, but thenโ€ฆ
.
.
.
.
.
.
SURPRISE!!
.
.
You canโ€™t fall asleep!!!!!
.
.
.
Oh the joys of motherhood! Anyone else relate?!! ๐Ÿ˜ฎโ€๐Ÿ’จ๐Ÿฅฑ๐Ÿ˜ณ๐Ÿ˜ณ๐Ÿ˜ณ

#momhumor #honestmom #parentinghumor #motherhoodunplugged #motherhoodjourney #motherhoodrising
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