March 1 -
: $8.15 outside the grocery budget
March 2 -
: $29 out to brunch with friends.
March 3 -
Today I didn't really think about wanting anything. Maybe focusing is already helping!
March 4 -
Spent the rest of the grocery budget, should be ok for 1.5 more weeks. Today was a tough day. I really wanted nothing but just didn't want to think about money. DH was rejected from another job because he is a student and does not have a flexible schedule. Tough, tough, tough.
March 5 -
Good day here! I sold our stroller system that is too small on Craigslist and I billed a client for completed freelance work. Both of those payments should be in by the end of the week! Less stress for me. The Craigslist money will go toward additional groceries/savings if no groceries are needed. The freelance money will go toward debt and a birthday present.
March 6 -
Big decisions ahead. We are in a nanny share that we agreed to pay for X/hrs per week. My DH lost his job and we are not even using half those hours but paying for all of them. We would save $90/week if we backed out of the share and just had someone for the hours we needed. This is tough because if my DH gets a job the hours could be more. Decisions, decisions.
March 7 -
: 5.18 on a birthday card and some printed pictures. I have payment coming in for freelance work. I am having a hard time not spending it before it gets here (ie take it out of savings and replace it or put it on the credit card and pay it off.) This is very, very hard.
March 8 -
The In-Laws were here, stayed in and played with DS, very nice no spend day.
March 9 -
No spend. I had a breakdown today though. I have a great DH and he was very good about it. We have to cut down on our nanny share and we had to tell the other family today and we have to discuss it with the nanny tomorrow. I have never had to cut down on a financial commitment before. It really is the best thing to do but it is very difficult for me, I am very prideful about my commitments, especially financial ones.
March 10 -
: $88 on tickets home for Easter, not in the budget and we had to take from savings. I was feeling very calm about our state of finances yesterday. I realized there is an entire laundry list of things I can not envision moving past so I just need to focus on where we are at and those things will eventually be behind us. I also categorized our bank statements from all of 2008, our overspending is in Entertainment/Recreation (which we can control), Childcare (which we are working on) and Debt.
March 11 -
No spend. The only thing that is frustrating me today is that I can not get a grip on why DH can not get a job. It makes me want to move to a low cost of living area and be miserable just so we don't have to struggle. This is not realistic, just emotional.
March 12 -
No spend! Stayed within the budget for groceries and are doing good. I really appreciate that my DH said "there is $6 left over". Amazing in our house!
March 13 -
Deep breathes, pay day looms ahead.
March 14 -
Thanks to the ladies here I took $100 and put it where it belongs instead of keeping it for "us". I am also expecting payment for two freelance jobs this coming week that will total $430 which will help purchase two gifts, DH's school books and the rest will go toward debt. Thank you
March 15 -
No spend! In order to avoid buying a new carpet I didn't go "browse" we just stayed home and played. Very, very hard but totally worth it.
March 16 -
: $23 on brunch, it will come out of the grocery budget so obviously it wasn't spent on groceries. The time with friends was nice but we could have made just as nice a meal at home for all of us for less.
March 17 -
No spend, good day, feelin good!
March 18 -
No spend for me, I'm feeling ok about it. I would feel better if DH was not spending on silly things.
March 19 - March 24
: We went home for the holiday. We took out budgeted cash before we left. Despite this we ended up taking out more cash and it was not budgeted $325 from savings. Ugh. I can't believe it. Why, Why, Why do we do it. So frustrated.
March 25 -
No spend! DH had a good interview today which is a wonderful sign. Today I am struggling with being a WOHM. I need to focus on paying down our debt so my job is not "so important" and perhaps I could take a part time job in the future.
March 26 -
No spend, home sick.
March 27 -
No spend, DH home sick.
March 28 -
I'm back, I did not spend. It was hard but worth it!! TBD
Today is payday. THE HARDEST DAY OF THE MONTH. I really want a latte from Starbucks (don't need it). I would love to go out for lunch (I have lunch with me). I just want to spend, spend, spend. I don't need to spend. It is SO TEMPTING. Help! I need to go to the bank at lunch time. I need to resist Starbucks, Food and Taxi's.
March 29th -
No spend. We only spent the money in the entertainment budget. We did not got over this amount
March 30th -
No spend. Skipped the usual Sunday brunch since we know we are going out next week.
March 31 -
Going to make this one a no spend to round out the month! Kind of fell off the wagon for a bit this month but ready to get started with April.Key:
- No Spend/Spending in Budget
: - Not in Budget/Not Necessary
Notes for Perspective - Items I "want" but don't desperately "need"/Thoughts on moneyFebruary:
Total overspending in February $666.45
Total no spend days - 14/29March
Total overspending in March $478.33
Total no spend days - 20/31