I’m not sure if I’ve been slacking on posting because I’ve been slacking on my budget, or if I’ve been slacking on my budget because I’ve been slacking on posting. We have a classic “chicken or the egg” situation here.
This month I spend almost $600 on non-Christmas gifts. All in baby gifts for my future nephew. It’s money that I would have spent eventually, though I probably shouldn’t have spent it right now. I got an email that they had some things 50% off, and I figured I’d check the registry to see if there was anything there on crazy sale, and I got over $100 off on one of the big items they registered for, something to go with it, and another registry item that was on sale.
I’ve also been doing more spending than usual on myself. I don’t know if this means I have to be less stingy in other months to prevent myself from large chunks of purchasing a month or two down the road, or if I should plan for quarterly or semi-annual clothing splurges. Most of what I bought is clothing that can be worn to work–which I do need more of–along with a needed scarf for myself and some gifts for the boy. I’m a little nervous about the gift giving thing. I’m worried my gifts are too practical and come off as less “thoughtful,” and that he’s going to come up with something super sweet that I can’t match with “Here’s some socks I got you.”
I’ve done virtually no food shopping for myself this month. So far I’ve managed to avoid spending money on lunches, but I haven’t been able to avoid the delicious pretzel cart, and I’ve bought coffee more times than I’d like to share. I did spend $100 on an ice cream party, along with several other purchases that are reimbursable, so I’ll be depositing that $200 check today. Christmas related expenses I still have are: one more small gift for the boy, some stocking stuffers, money for my parents’ presents from me and my sister, and some Christmas gathering food.
The good news is that with all this money going out, I have had some carry-over in my checking account from being so disciplined in prior months. So I’m hoping I can still send my usual amount to my federal student loan (even though it routinely says I have nothing due). Though I have spent a lot of money, I only have another $100 or so in fixed expenses yet to be charged for the month–I just have to be disciplined about not spending on needless food purchases.
The bad news: I’ve spend $3,428 so far this month, with a budget of $3,935. That’s without a $300 student loan payment posting (I’m guessing on Monday), and includes the spending I was reimbursed. Doesn’t leave much more room for the above spending, or unavoidable purchases like food (at the grocery store, and not from the pretzel card), so that savings that is hoped for each month won’t be happening this month.
This week has been really crazy for my second job, with the semester ending and some related and unrelated issues. But all of that ail be completely over on Saturday, so hopefully I’ll get some rest in the four weeks I have off. I’m hoping this will also mean more time for cleaning my apartment and cooking meals in advance, but we’ll see how that goes.