Poshterity Budgeting

To use this budget tool, fill in your current expenses in each appropriate column.

For next year’s budget, think of how you can replace expenses by starting with the most abundant resources first, using the Plan A-F on this upside down pyramid as your guide.

Below are ways you might replace monetary expenses with other supports, for each budget line.

Food

  • Start or participate in a food swap. Include garden produce, excess from CSA shares, excess cooked food. Earn timebank hours for organizing, deduct expenses accordingly.
  • Use timebank hours to ‘hire’ someone to prepare meals for you. Reimburse for ingredients, discuss how to keep costs low.

Space
Wellness

  • Complementary care access through timebanking.
  • Less expense for insurance – buy catastrophic coverage, create savings pool for below-deductible

Transportation

  • Use timebanking for ride-sharing
    • Earn hours during trips by picking stuff up or providing rides for others
    • Split the gas money!
    • Save trips by asking timebankers to pick things up for you
  • Car-sharing

Utilities

  • Complementary care access through timebanking.
  • Participate in a weatherizing coop
    • Build your own skills, earn timebank hours to weatherize
    • Save money on heating expenses
  • Participate in a solarizing coop
    • Build your own skills, earn timebank hours to solarize
    • Save money on energy expenses

Care

  • Use timebanking to access care for children and elders, people with illness or disability.

Creativity

  • Use timebanking and swaps to get supplies and inspiration
  • Use timebanking to access lessons
  • Earn timebank hours to host workshops – build your skills and connections
  • Commission handmade items for timebank hours, trade, other forms of community credit
  • Art supply swaps are a great way to save money and refresh your supplies
    • Earn timebank hours to help organize

Leisure
Goods
Education
Help
Future
Repair&Maintenance
Giving
Misc
Emergency Fund