After spending up large on gifts and experiences in January/February I settled down last night to look at my bank accounts. Mixed emotions really... it was pay day so I paid off my credit card - that in itself shows a better grasp on my money, that I can pay my credit card off every fortnight. I know some people are able to go without credit cards but I love being able to shop online and earn rewards points at the same time.
But...
(and you knew there was one of those coming)
by the time that I had paid off my credit card, and transfered money to SB for bills (they're paid out of his account) and factored in that my car needs some rust repair before I can get my Warrant of Fitness (and this needs to be done by the end of the month!) my formerly plump bank account started to look a little on the slim side. I had been contemplating have a spending splurge to get myself set up for winter but the car has to come first!
I'm still living with a small bank account, feeling the repercussions of a long period of studying and this really limits me when it comes to expenses that are out of the usual. I've got to the point where I'm not stressing about how to make ends meet but I am still having to be cunning about planning the timeline for when each pair of ends will be meeting (stretching the metaphor, I know). It's time for a "go hard or go home" goal here people!
By May 14th, I will be out of overdraft!
You saw it here first people! With an fun budget of $50 per week and some careful planning, I can do it!
Yay, go you! I paid off my loan last year but it left me with no savings. This year I'm kind of doing the same thing you are, after bills come out, money goes into savings and I'm left with a small amount of 'fun money'.
ReplyDeleteI have a list of the things I need to do and a list of things I want. It's all planned and its fun crossing things of lists, it makes me feel like I've accomplished something.
Best of luck! :)
ReplyDeleteHubby and I are on a tight budget 'til I find work again. I think you can make it work if you get a little creative although I do miss socialising and clothes shopping more x