Wow, so, like, yeah. I have a few hours left in June and thankfully my time will be completely occupied so I WON'T spend every last penny I earned this month.
But dang, down to the wire!
I can tell you right now that eating out, clothing and just plain partying were the culprits.
I went $110 over on eating out (I know, I don't even know how I did it), $35 over on clothes and $65 on "entertainment," which includes everything from books, to movies, to happy hours.
I also got a parking ticket and paid nearly $10 in late fees to the library. It ain't free if you don't return the stuff you borrow!
So, according to my budget, I spent $30 over what I budget for discretionary money (the money left over after I save, pay the bills and get necessities). I said in a previous post, that I MUST spend just the $650 I budget for discretionary funds, otherwise I'm going to run into problems or accidentally spend money allocated for necessities or bills. The only reason I have $27 left for the month is because I DIDN'T spend very much on necessities. I came under budget in many of those categories.
But, I also have to say that the other reason I got down to $27 left in June is because I saved more money that i budgeted for. I am pushing hard to get to six months of living expenses saved and I squeezed a bit more out of the budget. I have four months down. I expect to reach my savings goal by the end of the year -- right on schedule.
So, it's already the end of the day. I'll finish June in the black (barely), but really need to consider just how to quit going nuts on dining out. But I love eating out!