Can you give us an update on your dog and your neighbour?
Archive for August, 2012
A very good weekend. Did my budgeting, looks like I might meet that goal of getting under 11K on the LOC by mid September. Lunches are made for the week, as well as a few sweets which is what tends to send me to the vending machine. I'm slightly over budget on the groceries because I found two sale items for the freezer, and was $65 under budget last week so I'm a little low on the basics. So far it's going really, really well with writing down everything I spend. As much as I hate it I really do love knowing exactly what I spend.
I'm looking forward to a good week!
My planned lunch date fell through at the last minute so no lunch or vending machine items purchased all week. That's a first in many, many years. And I had 2 NSD this past week. Don't think I've ever done that before in this lifetime. Was able to do a taste testing for $20 and will add this to the LOC debt payment. It feels good!
I've always asked that my lessons be gentle ones. Tracking my daily spending has revealed some spending that I haven't included in my budget. Fortunately they are small items that are indeed gentle. Three items I need to include are vitamins, parking for medical appointments, and grocery spending while at the cottage. I completely overlooked the vitamin costs and the parking expenses. Perhaps $30 a month in total (won't know until I do a summary - I see an excel spreadsheet in my future). I also include the extra grocery costs in my budget when I do plan to go up north, but I didn't include enough.
Another lesson is that I need to start putting money into my Christmas fund throughout the year. Here's a very good reason: while away I came across a wonderful store that I have been to many times but it's pricey. They are going out of business and everything is 40% off. Naturally I had to capitalize on this opportunity. I bought ten Christmas gifts plus stocking stuffers for $272. Fastastic savings but not a planned expense. And it should have been as I start Christmas shopping early every year.
This is week two of planning lunches. I know I have a luncheon on Wednesday that I need to pay for. It's in my budget. While on vacation last week I thought about ways to make it more create and healthier. I've stocked up on fruit. Off to make the lunches.
Wrote a nice long blog but it got lost in internet waste land.
Recap: I made my lunches for the week and froze them. Managed to only have unplanned spending of $7.53 which is a heck of a lot less than the week before. Darned emotional eating! I ate my lunch for breakfast then did drive through just before an important job interview that may have a significant impact on my income. I'm not beating myself up over it.
I have been tracking every penny I spend as my SA colleagues suggested. First, I hate doing it. I always forget and then at the end of the day I'm searching for my receipts. Second, holy cr$p, I spend a whack of money. This week was spendier than normal, had to pick up some clothes for my son. Fortunately he is not a clothes horse and I spent only $100 overall for shorts/underclothes/socks. He only asks for clothes twice a year and could care less about what brand they are. I'm fortunate.
Lastly, I have budgeted to pay off $886 on my LOC in the next 5 or 6 weeks. That will bring it in under $11,000. It looks right on paper but not sure if it's doable.
We have a heat/humidity/smog alert. Geez, we need rain!
Have a great weekend, especially to those of you who have a three day weekend!