Although my month looks good so far and DH and I have been oh so thrifty, I have to share my frustration with our financial situation. I know I shouldn't complain, because were not starving or anything, but things are extremely tight and I can never seem to get ahead (or save). Each month we spend more than we earn because all sorts of major expenses come up. This month I had to pay $800 for
one lousy credit hour for my PhD. Then there was another $200 that I paid to reserve a spot in a new daycare for my son for next spring. I have to remind myself that these expenses will pay off in the long run - because I will be able to complete my degree. But it stinks because I thought that I might actually be able to save some money this month, and instead we are in the red. And as you can see from my record below, we have been very frugal. Sorry for the rant, I'm just fed up with try so hard to save and never making it happen! <sigh>
Aug 1:

,

Aug 2:

,

$15 birthday party supplies, $58 birthday cake
Aug 3:

driving to blueberry patch, $53 on canning supplies, $25 groceries
Aug 4:

:,

canned blueberries,

$1.75 for coffee & donut
Aug 5:

,

Oil change $29, Cat food/litter $33 (with coupon), shampoo, case of rice milk, & misc. groceries from health food store $42 (15% off coupon),

deposited $150 in ds' account (birthday money)
Aug 6:

(planned to bike, but had to drive because dh stayed home from work & I took ds to daycare),

$11 (with coupon) disposable diapers for vacation
Aug 7:

,

took box of baby clothes and toys to the consignment shop (it's almost like money in the bank),

$50 gas (filled up both cars)
Aug 8-11: On vacation.

, Took $300 cash (for food/gas/museum&zoo fees) and came home with $60. We used the remaining cash for this week's groceries. Didn't use plastic or come home with a bunch of kitschy junk.

,

: Carpooled with inlaws, no driving on August 9th.
Aug 12:

,

Aug 13:

,

, transfered $250 to savings from checking (although I paid a ton of bills today - all necessary of course)
Aug 14:

,

:
Aug 15:

$25 for gas to drive to Indiana for my father's internment,

$9.60 for roses for father's grave
Aug 16:

,

$44 at grocery & $20 at farmers market,

$25 for dinner out (special treat for ds - ate on a train car) and $4 for icecream at the zoo
Aug 17:

,

$10.43 for a few more need groceries at Aldi, $96 on glass block & related supplies for basement window project,

canned peach jam from fruit purchased at farmers market
Aug 18:

,

, transfered $250 out of savings and into checking to cover checks for school & daycare
My KEY:

= No spend

= Budgeted spending

= Unnecessary spending

= Put money in savings

: = No driving or biking only

= Normal driving

= Unnecessary driving

= Saved money
MY GOALS:
5/10 No Spend Days
1/2 Eating Out
$321/$600 Groceries/gas
$96/$200 Home Improvement
2/8 Bike to work days
$240/$300 Vacation

(under budget!!)
$0/$500 Put in household savings
Total Unnecessary spending = $102
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