It was way worse than I thought. Even after entering the $450 extra($200 bank bonus, $200 from mom, $50 from Swagbucks) I STILL had to take money from my slush fund to get rid of the red in multiple categories.
So for the remainder of September, unless it is an *absolute* necessity, I will not be spending one more penny. (Okay, I still have to do one more transaction for my checking account to get 2.5% - but that will be a less than $5 transaction.)
In October I can't make it a fast because I've already agreed to going away overnight with NE. Hopefully we can keep the expense to a bare minimum though.
I think I will bow out from the children's conference though - that's $40 I can't afford right now - not with the MAJOR overspending I did this month. I also am going to skip the mani-pedi - that money that was budgeted is going to pay for overspending in other categories.
I really let the stress of the property manager get to me overly much ...
October will be a 3 paycheck month so I can replenish the slush fund, and almost finish the EF. It makes me sick to know that had I not done this, I would be able to finish the EF and get a good start on the car fund in October.
--
I tried to cash out my iBotta tonight but it just kept spinning and spinning after I clicked the link to confirm my paypal account. I have $27.25.
I did cash out Pact for $10.
I also cashed out another $25 in PayPal from Swagbucks tonight.
PerkTv is driving me nuts with this ad that keeps freezing - if it wasn't for that, I'd be really close to my next $25 AGC!
---
I'm trying to figure out if I'm correct ... If I have $10k in an account which earns 2.5% interest, that would be $250??? Or would it be $25? If the first number is correct ... then that just boggles my mind. It really seems to me like that first number should be correct ... If it is ... then my EF will be finished much quicker than I imagined, and my car fund will be getting started really soon!
(I also think I could persuade my bf to do the debit card thing for me if I gave him $50/month off of whatever he used it for to do it. That way I wouldn't have to dream up 12 reasons to use it in my own transactions, while at the same time making sure to get my $500 spend for Discover.)
Not a Spending Reduction, but a Spending FAST!
September 23rd, 2015 at 01:16 am
September 23rd, 2015 at 01:32 am 1442971945
September 23rd, 2015 at 01:55 am 1442973340
Good tip, Kiki on the multiple purchases!
September 23rd, 2015 at 01:56 am 1442973404
September 23rd, 2015 at 01:59 am 1442973579
CCF - Okay .. that makes so much more sense. The $250 number just seemed way too far out there, so I figured there must be something I was missing.
September 23rd, 2015 at 02:01 am 1442973715
September 23rd, 2015 at 02:06 am 1442973991
September 23rd, 2015 at 04:05 am 1442981119
September 23rd, 2015 at 05:05 am 1442984751
I find distraction is an effective tool. I'm busy working out routines to get various tasks done via small baby steps. It's keeping me busy, feeling like I'm accomplishing goals without spending a dime. Meals are simple but using what's already at hand. Might be odd combinations but I type an ingredient in the 'search' box of www.cooks.com and substitute as required. This week I've cleared summer stuff out of the entry closet and am pulling fall jackets from the vacuum/space bag. I figure they may 'hang out' wrinkles or I'll need to do something drastic like wrap in a damp sheet and iron. Next up I'll tackle the bdrm closet.
If you're truly interested in buying a house, you might enjoy doing some serious research on what you need to know, what you need to do, what order, what is important, what's not and why.
Finally, what free entertainment is being offered in your community that you might like to try?
I'm confident you'll meet your September frugality goal.
September 23rd, 2015 at 09:05 am 1442999134
FrugalTexan what about giving yourself a mani-pedi? Good luck with your spending fast! I spent four months on a spending fast between October last year and February this year.. It's not fun but you can do it
September 24th, 2015 at 11:38 pm 1443137899