a. Who you are
- I'm lach! I have 2 kids and a DH and I live in Massachusetts.b. Where you are going (your financial goals)
- I'm trying to save up for a really cool travel opportunity with DH's step-mother, who is a reporter. Unfortunately, the trip will cost several thousand dollars. In order to justify spending that, I have to start saving! I was going to start doing this in December, but I knew I'd be doing too much for Christmas.c. How you plan to get there
- Um, by not spending anything? Which isn't realistic, I know, but that's my goal! Ideally I'd like to put a thousand dollars a month into savings between now and May. I already know that there is at least one, if not two major purchases that we've been living without for months (a dishwasher and a couch), and instead of us getting used to it, we're just getting more and more annoyed. The question is whether we'll break down in January and finally bite the bullet. I think DH may divorce me if I don't acquiesce to the dishwasher soon... and a divorce lawyer is probably even more expensive.
Aaaaand... I fail already. D'oh. DH's last day at home before he begins a new job so he begged to go to Chinese buffet. $26. Thank goodness both kids are still free!
DH is ruining this for me! Not that I'm really
complaining, because he went and got tasty, tasty french pastries. They're sooo good. $18
$47 on gas, $39 at the supermarket, and DH took out $40 cash for lunch this week.
Had to order diapers: $45 (we buy them by the case),
and DH threw in a video camera for $200. Blerg. But it will be nice, as my old one died and we have no way to send videos to relations now. I also spent $45 on clothes and dinner, after returning $250 worth of Christmas gifts. Sooo... we'll call that even?
$80 to the house cleaner
$80 for toys for DS's birthday. I know, I know, but it was the Plan Toys parking garage and airport and a few other accessories that I really wanted to get, and an amazing deal. Also, DH and I went for dinner out because it was the first time in a year and a half we had a sitter, but I don't know how much that cost. I'll say $140.
$50 for the sitter (not just for dinner, but for a school event we had to go to), and $90 for groceries.
--This month went from bad to worse, spending wise. It was too embarrassing to list everything. I'm going to try again next month--Running total:
Unnecessary expenses: $163
Necessary expenses: $311
Fixed expenses: $80Key:
Necessary expenses (groceries, gas... things I do need, but could probably work on cutting back on)
Fixed expenses (bills and various loan payments)