I have had to re-assess how I manage my funds and it has definitely been a process. After buckling down for a year and following a set schedule I’ve had a bit of a strange time adjusting.
I’ve been doing fairly well but the adjustment to using money when I actually have it has been interesting. For example, I had set a payment to be deducted the day before it was due. I realized that was just poor planning on my part so I fixed it. Sort of. Since you can’t adjust payments on my banking system I paid it early but I didn’t delete the original planned transfer.
So I’ve tightened my budget my already constrained August finances. This is sometimes the part where I hide a bit and try not to think about the budget. Instead, I took time today to download my bank information and see where I stand. It turns out that somehow it’s currently coming out in the wash.
Here’s what my anticipated budget looked like with my actual spending beside it:
Now, it would be easy for me to still overspend if I don’t adjust my anticipated costs to help guide me through the next two weeks. So I re-arranged finances so I feel like I’m not over budget in an area:
Now the only area that I’m significantly over is my Misc. Line. This is because the bill payment came out of here.
I thought I might feel a bit stuck looking at these numbers and while I definitely have concerns about stretching $67 over the next two weeks I’m not driving myself insane. Since I don’t budget with my actual income, I know that I’ve got a bit of breathing room if I do go over budget, which is looking likely.
Knowing that I’m only in this position because I double paid a bill, not because of reckless spending, leaves me feeling good about the rest of the month.
Now to make sure that Bunny and us are properly fed for the next 2 weeks on $67!
Do you have frugal recipes you’d like to share?