I’ve been struggling with planning my spending in September. This has been largely due to the fact that I don’t have a lot of events planned next month so at first it felt like I had loads of leftover money. Knowing September is when people tend to do impromptu things I was trying to allocate some to miscellaneous funding but a bit more to savings.
Then I remembered a medical expense that’s coming up. I was going to dip into my savings for it but if I don’t have too many unplanned events I would be able to pay that expense out of my monthly budget.
I played with different formats, made a variety of notes and racked my brain to consider all sorts of variable expenses that I should budget for (I even put in a calling card). As of today I’m happy with it. Using this method I planned for things that I usually allow to creep up on me. At the end though I do feel a bit cramped as there isn’t room for any of those impromptu things I like to do. September is going to be the month where I focus on free activities as frugal isn’t going to cut it this time.
I am going to have to remind myself rather firmly that I was planning to dip into my savings to cover the medical expense so if something does happen I am not going to beat myself up over it.
So far August has worked out and I’m hoping to keep the momentum going!
What are you looking forward to in September?