February Budget Busters

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It’s almost February, and a great time to start thinking about your February budget…and those pesky budget busters!

Updated January 2022

Free “Budget Buster” Printables

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    What’s a budget buster?

    A budget buster is something that you often forget to include in your budget.

    If your budget is tight, a budget buster can have you dipping in to your emergency fund, or even using a dreaded credit card, just to cover the expense!

    I’ve experienced budget busters many times, when trying to figure out budgeting, and learning how to stick to the budget, no matter what!

    Related: How to budget for beginners

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    The best way to learn to stick to your budget, is to plan ahead, and brainstorm as many possible budget busters at the beginning of the month.

    This will allow you to properly include these “miscellaneous” budget items in your budget, making them part of your February expenses, instead of inconveniences or “emergencies” that throw you off course.

    I’m here to help you stay on track with your February budget, by doing the brainstorming for you.

    Make sure to fill out the form below to get access to your February budget busters to add to your budget binder.

    If you’re feeling extra festive, you can also grab these adorable February themed printable cash envelopes in my shop.

    February Budget Busters to Include in Your Budget

    Here are a few things you want to include in your February budget.

    Remember, if you’re paying off debt, the goal is to keep these “miscellaneous” items as low as possible so you can put more cash on debt!

    However, if you don’t plan ahead for holidays, birthdays, and special events, you might end up busting your budget or going further in to debt to cover them!

    Related: Budget Categories You’re Probably Forgetting

    Valentine’s Day

    You don’t have to spend an arm and a leg to have a fun filled Valentine’s Day with your kids or spouse.

    In fact, there’s absolutely nothing wrong with a date night in and a movie!

    A few budget items that you might want to include for Valentine’s Day are:

    • Babysitter
    • Gifts
    • Valentine Cards
    • Classroom snacks or supplies for kid’s school parties
    • Dinner


    Tax Season

    You are probably gearing up to turn your tax documents in to your accountant, so make sure you budget to pay your accountant, or start saving for any taxes that might be owed.

    • Accountant Fees
    • Start saving for taxes owed

    Related: How to Save 00 Fast

    Cold & Flu Season

    Cold and flu season is still in full force. Make sure you budget for doctor office visits and co-pays, as well as any prescriptions you might need.

    • Doctor bills and co-pays
    • Prescriptions
    • Over the counter medications (cough drops, nasal spray, etc)

    Related: How to Save Money on Health Care

    Plan Ahead

    Although February is a quick month, that means that spring is right around the corner!

    Don’t forget to start planning for these:

    • Spring sports and activities
    • Spring Break plans (including child care or activities, travel plans, etc)
    • Spring clothing and holidays

    Also…it’s never too early to start saving for Christmas. Don’t let Christmas become an emergency when December rolls around.

    Related: How to have a Debt Free Christmas

    Are you ready for these February budget busters?

    February budget busters
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    hi! I'm shannon

    I’m a wife, mom of three, doctor, and blogger! In 2018, I decided to turn my mom blog, into a personal finance blog so others could follow along on our journey to pay off over HALF a MILLION dollars in student loan and practice start up debt. I hope you enjoy following along, and maybe even find some inspiration along the way.