Keep in mind that you don't have to fill up or change your home all at once. Start with the following basics first to stay on a post-move budget.
- Make allowances for some overspending. Take a look at what you need to account for when you overspent in the move. Most items are a one-time expense. Sort out the receipts related to the move and keep them in a separate category.
- Factor in a higher mortgage payment and property tax. Of course you've kept this in mind, but now that it's a reality after your move, be sure to accommodate any increases into your budget.
- Incorporate cost-of-living increases. If your child's tuition at a new school will be higher or you have homeowner's association fees, include those increases in your new budget. Are your utilities higher? If your commute to work is longer, calculate new mileage costs.
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- Prioritize what you need for your new home. Hopefully before moving you parted with old unused stuff and did an inventory of what you kept. Sit down and list what you need in the new space. Start with essentials—replace discarded items first. If you now have an additional bathroom, use some of your old towels now and save the full-scale decorating till later.
- Stop eating out. You're in your fabulous new kitchen. Enjoy cooking some meals at home for a change; you'll save money. Of course later on you can have fun exploring new restaurants. But until you feel comfortable with the post-move budget, watch the food expenses.
- You don't have to landscape the whole yard now. New flower beds and empty spaces in the yard are tempting. You've been flipping through gardening catalogues. But, again, until you've re-established your budget and stuck to it for a while, go slow. Have fun planning now; buy later.
Enjoy Your New Home
Once you and your family have settled into a new routine after the move, it'll be easier to figure out how to stay on a budget. Cut yourself some slack, though, and take time to adapt the budget to the new parameters. A move is a challenging process and it requires flexibility. Enjoy your wonderful new home!
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