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Thank you for all the notes, definitions, constructive criticism. Without further ado, here’s take 3 of my post sale budget.

Notes: Monthly Bills

I will revisit the life insurance after I get settled in Texas, but for now it remains.

Yes, I am giving myself a $400 monthly allowance. I have no clue if/what I will spend that on. But I am giving myself permission to have some sort of social life and explore this area where I’ve never lived before. Not to mention, this gives me the means to take a break from the house/caretaking every week which will be very much needed for both mental health and because the internet at my parents’ home is terrible for the most part.

Someone did ask about my phone/hotspot line item which was in Version 1, but not in Version 2. I have moved those to my business budget again now that my business is making enough money to cover those expenses. I will share that budget at a later date.

I don’t think there are any other line items that need any explanation.

Notes: Sinking Funds

I think I’ve moved all the correct categories from monthly bills to sinking funds. Thank you to whomever defined sinking funds so clearly in the comments on one of the previous budget posts. Do I have right now?

These numbers are based on 8 months (remainder of 2025) and bill dates. I won’t know my auto insurance renewal rate until August so this is based on anticipated numbers. But I’d rather over budget than under budget.

I will have more clothing costs this year so that number is about $200 more than my typical annual budget. This is because 1) wedding and 2) moving to somewhere VERY hot, and I have lost over 30 pounds recent with more to lose. (Did I tell you that not only am I the mother of the bride, but Beauty also asked me to be the Matron/Maid of Honor? I feel so honored and the note she wrote and words she said brough me to tears.)

Because my travel will be sporadic, especially over the next 8 months, I moved gas/travel to a sinking fund. My guess is that for the first 3-4 months, it will be like GA where one tank of gas lasts a month. Then come September-November, I will have some travel expenses. So the sinking fund makes sense, right?

Note: Savings

My savings goals are more long term rather than 8 months. Obviously, I want to completely fund my EF as quickly as possible which will begin with the house sale.

But the other two goals: housing and new car are more long term and I put a target date to reach those numbers there.

Car Savings

My car has over 100,000 miles on it and I the plan is to put a substantial number of miles on it over the next two years. It’s in great shape, well maintained, and a Honda. With all those thoughts in mind, my goal is to be able to purchase a newer, new to me car when needed, but hopefully no sooner than 4 years.

Housing

My goal is to cash flow land and a tiny house beginning in 2 years. There were lots of comments about not saving for this line item until I’m debt free. Here’s the deal though. I am about to be houseless. It’s my choice and I’m excited about the adventure and opportunity this gives me. But it’s not a long term plan.

If something should happen to my health or my parents, which will be my homebase for the next two years, I need to have the means to get housing for myself. This line item covers that contingency plan should I need it sooner rather than later.

Alright, I’m ready. Give me all the notes and feedback. I feel like I’m getting pretty close here.

Hope

Hope is a resourceful and solutions-driven business manager who has spent nearly two decades helping clients streamline their operations and grow their businesses through project management, digital marketing, and tech expertise. Recently transitioning from her role as a single mom of five foster/adoptive children to an empty nester, Hope is navigating the emotional and practical challenges of redefining her life while maintaining her determination to regain financial control and eliminate debt.

Living in a cozy small town in northeast Georgia with her three dogs, Hope cherishes the serenity of the mountains over the bustle of the beach. Though her kids are now finding their footing in the world—pursuing education, careers, and independence—she remains deeply committed to supporting them in this next chapter, even as she faces the bittersweet tug of letting go.

Since joining the Blogging Away Debt community in 2015, Hope has candidly shared her journey of financial ups and downs. Now, with a renewed focus and a clear path ahead, she’s ready to tackle her finances with the same passion and perseverance that she’s brought to her life and career. Through her writing, she continues to inspire others to confront their own financial challenges and strive for a brighter future.

How to Save Money with Home Remodel Ideas

by Semify

Remodeling your home doesn’t have to break the bank. With smart planning and a focus on long-term value, you can transform your space while keeping your budget in check. From energy-efficient upgrades to choosing sustainable materials, small changes can lead to big savings over time.

Prioritizing key areas—like your HVAC system, bathroom, and roofing—can make your home more functional and attractive while lowering maintenance costs. Whether you’re staying put or preparing to sell, strategic remodeling decisions can increase your property’s appeal and efficiency. Here are a few ideas to help you with money management while improving your living space.

Upgrade Your HVAC System for Long-Term Savings

Heating and cooling account for a significant portion of your utility bills, making HVAC upgrades a cost-saving investment. Modern systems are far more energy-efficient than those installed even a decade ago, using less energy to maintain consistent indoor comfort. A new unit may cost thousands upfront, but the long-term savings on energy bills can make it worthwhile, especially in regions with extreme seasonal temperatures. According to Modernize, installing an HVAC system costs between $6,224 and $11,434, so choosing a system that fits your home’s size and layout is crucial. Oversized or undersized systems can drive up energy usage and cause uneven heating or cooling.

In addition to the unit itself, other components can play a big role in overall performance. Proper insulation prevents temperature loss, reducing the workload on your system and cutting costs year-round. Smart thermostats offer even greater control by learning your habits and adjusting temperatures automatically, leading to added savings. Routine maintenance—like changing filters and scheduling annual tune-ups—can also extend the system’s lifespan and improve energy efficiency. By focusing on both equipment and supporting elements, homeowners can create a more efficient, comfortable, and cost-effective home environment, leading to better money management skills.

Remodel the Primary Bathroom Strategically

The bathroom is one of the most-used spaces in the house, and remodeling it can increase both comfort and resale value. Instead of a full renovation, focus on changes that make a difference—like new fixtures, better lighting, or water-saving features. Many homeowners are choosing to expand the shower area, improving both function and style. In fact, 80% of primary bathroom remodels include upgrading the shower and making it larger, according to Gitnux. These upgrades not only elevate the experience but can also attract future buyers and reduce future maintenance costs.

Choose Metal Roofing for Durability and Sustainability

When it’s time to replace your roof, materials matter. Metal roofing has become an increasingly popular choice thanks to its durability, longevity, and eco-friendly qualities. It reflects heat, which can help lower cooling costs during warmer months. Metal roofs are nearly 100% recyclable and made with a minimum of 25% recycled material, according to This Old House. Though the initial investment may be higher than asphalt shingles, a metal roof can last 40–70 years with minimal upkeep, offering substantial savings over time and reducing landfill waste.

Understanding money management through remodeling is about making smart, forward-thinking choices. By investing in energy-efficient systems, prioritizing high-traffic areas like the bathroom, and selecting sustainable materials such as metal roofing, you can reduce future expenses and boost your home’s value. These updates don’t just make your space more beautiful—they make it more economical and practical for years to come.

Whether you’re improving your forever home or preparing to sell, these remodel ideas offer a path to smart savings and greater peace of mind. Even modest upgrades, when chosen wisely, can create lasting value, improve daily living, and contribute to a more sustainable, energy-conscious household. Best of luck on your sustainable home remodel!

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Post Sale – Budget – Take 3