I just hit my April mid-month pay and can happily say (with much effort on my part) I am under-budget by $10. But then I found out I paid ahead on one bill last pay period. Leaving me $60 total under-budget. At the same time I also re-purposed a small savings account. It will work better this way and my emergency fund is half filled again. Thereby I transferred a little money from that account and the remainder of my paycheck towards my auto loan.
Snowballing: $150 + $60 = $210
Here are some of my Cost saving initiatives I ran across these past two weeks:
- I brought my breakfast to work as usual – but my toast flipped behind the counter and my cream of wheat was bland. Spent $0.98 for a better breakfast. #fail
- Said “no” to attending a theme park with friends. That was super hard to decline because it was Spring Break and I know my child really wants to go again. But this getting out of debt pain is temporary, right? #win
- I am going on first date in like 4 years. Stuck to the budget buying one blouse & necklace within budget and with a $10 coupon. Then paired it with items from my closet. Painted my own nails. Plucked my own eyebrows. Trust me, I would love to be pampered, but in the name of debt… (The date was enjoyable with lots in common. I much enjoyed the dinner & conversation. But there was not a romantic connection for me).
- Didn’t go to the Grand Canyon because the financials of the trip were not preplanned. I really wanted to go for the astronomy talk and to see the stars. But it would have went on the CC. That would need to be a nope. #win
- We did not go to a really cool dance competition as a spectator for the same reason. Least the child didn’t know that this event was happening. But it would have been really fun to attend. #win
- WonderCon is here too. Didn’t go. Same reason. #doublewin because if we went then we would need to create cosplay costumes.
- I ate Cream of Wheat (package in my desk) instead of a taco lunch. Saved spending $6 (and maybe I’ll get better at prepping my lunch the night before).
- Using the espresso machine daily at work (free).
- drove less
- we went to the library and walked the park for frugal entertainment.
- increased my reading habits. Which has been a nice way to wind down.
- hemmed a skirt the child bought from the thrift store. sewed an apron. crafting at home
I had a hard time saying “no” to the event activities and was bumming when I did. Especially because it was so beautiful outside and I wanted to give my child fun times. But those bummer feelings are temporary right? I may try for the Grand Canyon in Autumn with cash available for the trip.
Meals that were made made this week to stay in budget:
- Waffles & peanut butter with a London Fog (earl grey tea, vanilla syrup, steamed milk)
- PB & Honey toast
- Tostada salads – I bake my own shells
- cast iron skillet hash – my fave meal – this one had kale, sweet potato, carrots and an over-easy egg cooked on top. It’s a great way to use up veggies needing to be used up.
- Greek plate (& leftovers making 3 lunch meals this week): Budget bytes yellow jasmine rice, Greek chicken, kalamata olives, dolmas, sauteed purple cabbage, tzatziki, and cucumber-tomato salad
- spaghetti, sauteed veggies, and Italian sausage (with evoo, lemon, and capers, too)
- cereal and Cream of Wheat
- veggies, rice and tofu
- tuna salad w/lots of veggies (tomatoes, carrots, avocado, kidney beans, green onion…)
- PBJ, chips & fruit
- PB-cacao-banana smoothie – my nighttime fave because it’s like ice cream with the frozen banana and raw cacao is high in magnesium to give me a good night’s sleep.
- individual apple crisps with vanilla-honey yogurt
How has your week in personal finance, frugality or otherwise?