When I began blogging I had a very clear idea of why I was doing it:
I’m writing to track myself. I’m writing to forgive myself when I spend too much and to track the ways in which I do cut back.
I’ve done that! I’ve even gone so far as to share budgets I was creating. For example, I posted my anticipated vacation budget so I was able to see how much I needed to save in order to afford going to the wedding later this month. I also posted it so when May rolled around I’d remember what my categories were and wouldn’t be tempted to blow through $1,260. The only hiccup is that I posted it, saved toward my goals, but didn’t read that post again until this weekend. That’s when I noticed that I had included the cost of the gift in that line.
In my monthly debriefs in March and April I lamented the cost related to purchasing gifts and the fact that I had to use my spending money rather than savings to purchase presents. If I had kept that post top of mind I would have been sailing. On the plus side, I was able to pay down my debt and still get presents for people.
I’m really trying to pay off my Line of Credit (LOC)this month but it’s been a bit of a struggle and I was getting a bit down. Especially since I had assessed the month. There were a few costs that I had missed or came up after:
- We ended up hosting (and cooking) for both our families for Mother’s Day
- A friend asked us to go to see Captain America: Civil War and I had just said we couldn’t attend her birthday dinner so I said yes to that
- Another friend has come home as her grandfather died. Her parents live about an hour away so we’re driving to see them
- Yet another friend has recently had a baby and I promised to take dinner
- A friend I see once every 2 months is popping into town and wants to meet for breakfast (guess who said yes)
The lesson: I’m very blessed to be surrounded by people I care for. People who mean the world to me, who I want to spend time with and who have been there for me.
This weekend I took another look at my budget and it will be very tight but I may be able to pay off the loan.
If I don’t I haven’t failed or fallen. I have said yes to people who matter to me. This is another bonus of blogging and reading my own blog. I can easily see if costs I incur are worthwhile.
So this is me being kind to myself, seeing the blessings in my life and forgiving myself if I don’t manage to pay off my LOC ahead of schedule.
I hope you’re being kind to you too!