Week #3 is over. I’m finding room for improvement, some changes need to happen.
I took the advice of kelvan & started logging what I am spending my Blow money on. I also began listing “blow money goals” such as a haircut and upcoming things that I know I will need money kept aside for.
Anyway, I did this & I found that most of my blow is going towards food. So I’m going to try to cut that habit back by shopping every payday for sandwich ingredients (for lunch) and snacks (in bulk, to pre-portion, for school-related times and while I'm out and about... Both of which are times I'm most likely to spend)
I majorly screwed up on sticking last week’s blow budget. I spent my blow, plus some. I spent part of the "snowflake money" which could’ve gone toward debt. AND I spent some money that was in my account - tithe checks from the past couple weeks waiting to clear. Take a look [copy/pasted from my personal document]:
Week #3 [1/17-1/23] $60 (+ $22.46 leftover snowflake)
$12.53 Safeway (snack foods and red bull)
$7.49 Subway (breakfast before Saturday study session @college)
$33.44 Safeway (dinner food/snacks during housesitting weekend @Ronnie’s)
$8.68 Starbucks (coffee/breakfast sandwich on way to clean client’s house)
$11.77 Allyn Market (snack, red bull & salad to pitch in for dinner @Lindsays - study session)
$23.60 Jimmy D’s (lunch out for me & Ethan)
TOTAL $97.51 = $37.51 over $60 budget; $15.05 dipped into the tithe money!
So in order to make this week REALLY work, I am heading to the bank later today to get that cash envelope system going again. Not going to use the debit card this week! I could forego the eating out and red bulls easily. The lunch date was spur of the moment and I offered to pay. I started bringing coffee with me to work, & we have ample coffee supplies to last a while at home.
I'll be making envelopes labeled “haircut $60” & “waxing $40” to “sink” some of my blow money in those each week for those periodic services. Getting envelopes again for gas and blow like I used to always do.
I have $24 coming in from Paypal this week that will “fix” my damage done last week with the spending.
So that was the bad news.
The good news is that I funded my BEF to $500 this morning and sent the leftover snowflake, $60, to my student loan! Very excited to finally get the ball rolling on this debt and seeing the balance go down. I have that extra houseclean tomorrow that will also net me some $$ to throw at the SL.
Need to get some of my stuff sold!!!
Until next week,