Well, I made myself sit down and go over my mad woman spending over the course of the month. It doesn’t help that due to job switch, my pay checks are all over the place due to different pay schedule. I used to have a fixed amount transfered to my savings every 2 weeks, but now I can’t even do that right now until I figure out exact details of the pay checks. Very frustrating.
I just really want to get back in track and stop spending anymore. Some of the spendings were necessities such as vet bill and school. I should be getting most of the vet bill back (fingers crossed) from the insurance company. My work and my scholarships pay for most of my schooling, but I still had to pay almost 1K this semester. But I should be getting back that too now because they cancelled one of the classes I am taking which was a 4 credit class and I have to take a 3 credit class instead. Hence the refund.
But on the non necessary items, I have gone really overboard. I bought two purses. Two! One just wasn’t enough? But I love them! A dress for a wedding I had to go to and some shoes and cosmetics. I also have been eating out a lot in spite of having purchased a really fancy schmancy fuzzy logic rice cooker thinking I am going to cook for myself every single day. I know, I am horrible. I need an off button on me to stop all this nonsense. This behavior is not me! I have been possessed!
I need to stick to a budget very seriously. I made a budget for myself this evening. This is what it looks like. Of course there are some categories where there won’t be expenses every single month. For eg: School, Toiletteries, Clothes etc. In such a case, the money would go towards debt or savings or other categories if they are over budget(which I plan not to do).
Click on the image for a bigger view.
all d best for sticking to budget.
Don’t beat yourself up about it. Just move on and make an effort to ensure that next month is different. 🙂