Do you know how when little kids do something bad, like break something or get food all over the living room, they tend to disappear and are very quite and you wonder what they're up to and then you find out and you have to find them to punish them because they're avoiding you?
It's an apt analogy for me, my budget and the blog.
I think this is my first post in about two weeks since I moved into my new apartment. In the interim, I've been doing one thing -- spending money!
I started to chronicle this in my post about depleting my emergency fund. Here it is broken down further:
Moving truck $188.56
Moving help $135.00
Deposit & Rent $1,415.00
Credit card check fee $43.95 .00
Supplies, utensils, etc. (Target etal) $583.56
Cable hookup $111.00
Computer speakers $116.00
I can't blame it all on necessity -- retail therapy is a helluva drug!
So, how am I just $1,222 in the hole? Generosity, tax refunds, coming under budget in a bunch of categories and selling my wonderful old couch. My father transferred $503 into my account to "help me out." My local tax refund was $480. I sold my old couch for $180, though, in hindsight, I underpriced it.
Then, of course, were the purchases that had nothing to do with my move or the apartment, such as the charity trip I took back to my alma mater (which cost me all of about $45). Then, um, the $307 on clothes and shoes. It was a gala for work and because we were invited at the last minute and I went shopping at the LAST minute, I didn't have time to hunt for deals. I actually bought clothes full price retail. What?! Haven't done that in a LONG time!!
Ok ok, so I'm in the hole. There's no debt here, I'm using the money in my emergency fund to cover the expenses. But I'd rather have that money in my fund! (I have been contributing to the fund as I spent -- I automated my savings so it goes to the e-fund straight from my paycheck). Pinching pennies and cutting expenses isn't going to refill that hole very fast, so I will need to generate some income as well as save and not go crazy the next few months.
I did work on a freelance assignment worth $700, so that will actually cover most of the shopping deficit. Then I may have discovered $100 in my budget I can commit to my emergency fund.
Oh yeah... then there's the car. And the little accident I was in. And the big money I had to spend to fix the car since I got rid of collision coverage. See, kids messing up, hiding out... that's been me on the blog. I'll get into the car stuff my next post.
I'm back because I need you guys. Keep me on track!