Decisions, Decisions

I've been fretting over the choice to give BofA $300 at the month's end or whether I should put that $ in my E-fund. I really want to pay them off. The real deal are my thoughts of what's happening w/the economy. That means I'm worried. Why? I know who my Source is. I guess my thinking is my debt payments total $260 roughly. I can afford to skip a month so I can save. I really don't think I'll go for this option, but it's great to flesh it out. Actually I'll wait to see what my paycheck looks like and see if I can put at least $200 in the E-fund.

A Lot Less Anxiousness

I'm noticing that w/each paycheck I'm not as anxious as my paydate approaches. Neither have I felt the urge to race to our website to see what my amounts will be the moment the company posts the info. In the past I would often be early and have to wait a few days. Perhaps this is because I usually have enough make my debt payments (sometimes a large amount and sometimes an amount above the mimimums). I'm noticing still some habits I don't particularly like. One is spending whatever is in the account once everything is saved and paid. I could always save more since my savings are at a mimimum right now. Most importantly I miss the excitement I had when I was able to send hundreds of dollars more than I'd expected. I'm afraid that means I'm slowing down in my game. It could just mean I'm settling down to what I have to do. Over and out!

More Month than Money II

This is actually a surprise to me. Yes, I paid more to BofA, but then again I had extra to pay them and was glad to do so. However, in the past two weeks I've been having fun. And that costs $$. Dinners w/sista friends; exercise classes; birthdays, whatever. Now that I'm paying attention to how I spend my money, I see the difference between right now and when I'm operating more frugally. Also it reminds me of the times I wasn't paying attention and just spending and wondering where the money went.

I just received another $100 for some work I did. My goal is for that money to go to BofA. Not me. Check back later to see how intentional I am.

On a greater tip, I probably didn't mention I'm going on retreat in October. That retreat is fully paid for ahead of schedule. Yeah!!! A change from scuffling at the last minute. Until I find out more, I'll budget $100 since I won't need much money.

Festival Time

Harlem Week, and with it the beginning of the close of summer. Had a great time yesterday. Spent $13 on tea and ice cream. Now had I gotten there earlier I would have spent more, cause I was looking for fried fish. But it was not to be. I think I'm going to have to just buy it and cook it myself.

More Month than Money

At this point I have $.92 in my checking accout. Because of my envelope system I still have $23 for groceries and $10 for gas-I filled up in Jersey this week. However, I only have $29 in my wallet(I bought a fish dinner last night). I've also reduced my wallet reserve bill to $50.
I have to last till the 30th, which will be tight. I have an alternative or two, one being not spend anymore money. Riiiight! But I can work on it. I already taking lunch, but I did buy lunch this past week since I left my food on the counter as I was running out the door. I refused to buy Popeye's large popcorn shrimp platter at $8(cheapskate), so I went for the sandwhich. I ended up getting an additional one when the manager went running after me, thinking I left w/o my purchase. Although it was a little over $4, I realize my own food is much better. I won't be furghettin' any time soon.

Going thru SundaySaver, I see things I need for my home. Suddenly I realized I don't have a budget for household purchases other than cleaning products which I lump in with groceries. Like everything else, I've been buying them when I need them. Well today I'll make a category and save a few dollars bi-weekly. Because I don't need a lot I can start with $20 each pay period. Light bulb moment: I still have my Visa gift card. I decided to use it to buy an iron and never got around to it. Problem solved. Hmm...what else can I buy. Mind ticking away.
peace!