I was so proud of myself the past two weeks. I figured out my expenses for June and looked at my spending account. I didn’t have much money to last me till my payday 6/5. So I basically stopped spending money. Now in the past I would have used my credit card to buy my fathers day gift and birthday gift for my sister. I would have the money the next week so no problem…..except I would only pay the minimum on the credit card. This time I looked at the calendar and looked at my checking account and determined that I could wait until I got paid and not be late. I did it. I was paid on Friday and I have really really really been thinking I want more plants. I had even planned to go to Lowes on Friday and buy plants. But I didn’t. It just didn’t feel right. Saturday I ordered my fathers day gift (paying cash). Sunday I ordered my sisters birthday gift (paying cash). Monday I needed to go grocery shopping. I spent quite a bit but it was all cash. I looked at my money situation on Tuesday and realized. Probably no plants….also no cute little table for the patio unless I built it out of things I already have. The next most urgent thing was a hair cut. I have just enough for that but not for special shampoo and stuff. Tonight is the hair cut. I am improving.
I decided to take a quick status check of where I am at. Wow! I rock! It is June 10th and I already have my bills for the month reviewed, scheduled, old bills shredded and even balanced/entered some into Quicken. I have actually jogged every work day for the last 2 weeks. This is my 3rd Wednesday on the plan. I reviewed everything else too…..double wow! I really rock! I have summer semester pretty much paid for except for parking and $60 of books. I have almost $500 in my tuition account and at least $100 in my most account. I am already saving towards fall. I have almost $500 in my line of credit…..I could feasibly keep saving there and then at the end of the year use it on my Commerce balance to make that goal. If I kicked up my payment (but would cause me problems) I could get under $2,000 owed on Commerce this month. I will definitely make it next month. For _43_ days I have had $1,000 in my emergency fund. Holy cow! By the end of June I may have my debt reduced by almost $2,000. I know that is only $2,000 in 6 months and at this rate I probably will not make $6,000 by the end of the year but it is such a hard earned $2,000 I have much to be proud of. I have learned some. I am improving. I can keep this up.
