Are these posts becoming boring?
I feel like they are starting to drag since it’s the same thing over and over. We are becoming boring. (Which I’m THRILLED with, personally.)
|Rent||$140.00||Deposited into Rent Savings Account|
|Leftover:||$11.92||Put into Back to School Fund|
So that’s that for the 3rd week (out of five) of July. I’m putting the extra toward Back to School because I need to fully fund that next week. We want to be prepared in advance and use cash – not credit – to take care of those back to school expenses! (Our goal is to put aside $350.)
The restaurant category in the budget includes take out, of course, but it also includes things like soda if Mr. Brickie wants to stop at 7-11 on the way home. The sitter is something that came up recently (we pay our sitter well) and is something we want to keep as a regular budget item filled with enough for a night out just in case!
We are still floundering a bit as we find our footing on everything that needs to be funded. One off expenses here, there, and everywhere seem to keep creeping up and reminding us that we forgot something or another. It’s really overwhelming.
Don’t even get me started on Christmas. We are determined beyond belief not to use credit cards for the holidays. Seriously. Determined. If we pay cash for Christmas we might be able to eradicate all our non-student-loan debt with next year’s tax return. That would put us in an amazing position. Amazing. We could make such progress!
- Saving for our next car.
- Fully funding our 3-6 month emergency fund.
I’m sure there are other things like fully funding the Rainy Day Car category or one of the million other savings categories in the budget program. Those up there, though, are the two main goals once we aren’t in a bunch of consumer debt.
It’s this back and forth between where we are at right now and the future. The future projections change so fast it feels like whiplash. This is the first week money I budgeted has some sitting leftover in the category and I put the new week’s money in and I’m wondering if I should leave the money alone and just have a surplus sitting there or move the surplus somewhere else.
I think I’ll leave the grocery surplus (it was only $21 from last week) until the end of the month, and the fuel surplus maybe I’ll move over to the car repairs rainy day fund.
Or I could leave all surplus money where it’s at until the end of the month and then use all of it to pay down credit card debt.
I think I’m being guided by my need for new windshield wiper blades on my car, which is probably not the best way to make long-term financial decisions.
Mr. Brickie is working Saturday as a make-up day for the Monday he got rained out (they call it a make-up day because he won’t get overtime since it’s a replacement for a day they couldn’t work due to weather) and he also let me know overtime is starting soon. So, really, who knows what next month is going to look like in terms of the budget. As much as I want to pay down credit card debt I think it’s best to let it stay stagnant while I fund Christmas as soon as possible. Or maybe not. I hate interest charges.
I don’t know.
I should also pay off the car as soon as possible to free up that huge car payment that will help me pay down debt faster.
I don’t know.
All these paths lead to the same place so, I guess, it doesn’t matter if I don’t know as long as we keep putting one foot in front of the other and keep paying everything down/off. Nothing will make more than a few months’ difference in any direction, will it?
Actually budgeting for a sitter is some kind of milestone, I’m sure of it. Planning in advance? I am beside myself with glee. It makes me feel like I’m being a real grownup in the best possible way. It’s a little embarrassing to complain of debt that needs to be paid off while putting money aside for eating out but it is going to happen and I best budget for what’s actually going to happen instead of hoping for the best and then Mr. Brickie is hot and tired and he just wants to pick something up on the way home for the family and what am I going to say? No?
I could say no, sure, but no way man. I’m about balance. I’ve had my nose to the damn grindstone for so long I barely have a nose OR a grindstone left. If I don’t build some chinese food into the budget now and then the whole family is going to rise up and then there will be anarchy.
You can deny yourself and your children nice things for years. As the queen of hand-me-downs and staycations I can attest to this. Kids can grow up happy without designer labels or flashy vacations. Sure they can. But if they want egg rolls every once in a while? If they want a new game to play? You can only say no so many times. You have to build some flexibility in the budget no matter how much you want to be debt-free because if you have a plan – like ours – that takes time (with apprentice promotions, etc.) in addition to focus and hard work you have to pace yourself.
The future is the goal, yes, but today is also for living. The balance of today and tomorrow is the tightrope I walk. It is a path lined with egg rolls and regret.
Can you tell I’m hungry? How many times can I mention egg rolls in one post? I don’t even want egg rolls. Weird.
I’m adding a recipe because I’m hungry and this is what I’ve had for lunch every day for the last two weeks because it’s delicious.
- One romaine lettuce heart chopped to hell and put in a small mixing bowl.
- Half a cucumber chopped all to hell
- Two slices of turkey breast cut into squares.
- 1 Tablespoon grated pecorino romano cheese (I keep the hand-held crank grater in the fridge in a ziplock baggie pre-filled with cheese chunks for convenience.)
- A few shakes of pepper.
- Dressing of your choice (I usually do italian but occasionally do ranch)
It’s REALLY good.