I had believed that I was budgeting and managing my money. I think I was just fooling myself. I was probably doing it on a higher level. Things really hit home Tuesday night when I went grocery shopping. I had a list of things that I wanted and I wanted to spend no more then $100. I had mentally budgeted $100 for groceries, $100 for vet bill and then would have some change left over for anything else I needed. Since it was very important to me to not spend much more then $100 on groceries I kept a running tally in my head on how much I had spent. I got half way through the store and realized that I had more things on my list then I had money. That was when I started prioritizing. I will not argue that some of my priorities were out of whack. Top priority was my birthday dinner, second milk, juice and cheese. The third was cat food but I passed on cat litter. I chose instead to buy beer and coke. I bought a book instead of buying tv dinners. I know I know my priorities weren’t really in line. I realized that I have been fooling myself thinking I was budgeting….really I was buying whatever the heck I wanted and then trying to make it work. I vow to do more of the budgeting and less of the making it work. I know I can do this. It is going to suck but in the long run it is for the better. *sigh*
Fooling myself….
October 27, 2011 by Me
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Pay off Commerce Bank Card
1/1/09 - $2,704.97 of credit limit $3,000
2/1/09 - $2,501.62 of credit limit $3,000
3/1/09 - $2,348.84 of credit limit $3,000
4/1/09 - $2,191.93 of credit limit $3,000
5/1/09 - $2,065.81 of credit limit $3,000
6/1/09 - $1,958.50 of credit limit $3,000
7/1/09 - $1,829.58 of credit limit $3,000
8/1/09 - $1,698.65 of credit limit $3,000
9/1/09 - $1,567.13 of credit limit $3,000
10/1/09 - $1,563.60 of credit limit $3,000
4/1/10 - $1,412.76 of credit limit $2,000
5/1/10 - $1,358.58 of credit limit $2,000
8/23/10 - $553.00 of credit limit $2,000
10/1/10 - $1218.65 of credit limit $2,000
1/24/11 - $1,789.93 of credit limit $2,000Replace car
1/1/09 - Money in car account - $0 3/19/09 - Money in car account - $0Have $1,000 constantly in savings account
1/1/09 - $13.83
3/19/09 - $4.02
4/28/09 - $1,000
4/30/09 - $999.00 <- due to low balance fee
4/39/09 - $999.35 <- dividend .35
5/1/09 - $1,029.35 <-threw in $30 to keep above $1,000
5/31/09 - $1,028.35 <- low balance fee
5/31/09 - $1,029.01 <- dividend .66
6/30/09 - $1,028.01 - low balance fee
6/30/09 - $1,028.64 - dividend .63
7/4/09 - $1,165.74 - depost half of dividend check
7/31/09 - $1,164.74 - low balance fee
7/31/09 - $1,165.47 - dividend .73
8/31/09 - $1,164.47 - low balance fee
8/31/09 - $1,165.21 - dividend .74
9/4/09 - $1,065.21 - withdrawl $100
9/31/09 - $1,064.21 - low balance fee
9/31/09 - $1,064.87 - dividend .66
4/5/10 - $360.55
5/1/10 - $4.64
8/23/10 - $1003.79
10/1/10 - $1002.12
1/24/11 - $1049.59Reduce overall debt by $6,000
January - 38,142.03
February - 37,628.17 (reduced by 513.86)
March - 37,336.35 (reduced by 805.68)
April - 36,995.60 (reduced by 1146.43)
May - 36,760.78 (reduced by 1381.25)
June - 36,361.91 (reduced by 1780.12)
4/5/10 - $35,800.90 (reduced by 2,341.13)
5/1/10 - $35,848.58 (reduced by 2,293.45)
8/23/10 - $31,471.86 (reduced by 6,670.17)
10/1/10 - $30,289.09 (reduced by 7,852.94)
1/24/11 - $28,089.24 (reduced by 10,052.79)Christmas fund
8/23/10 - 85.01
10/18/10 - 165.08Archives
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