Why am I in on a Saturday night?
A) I'm a homebody.
B) I am already broke halfway through August.
C) I needed to take a look at some of my larger financial goals.
D) All of the above.
Ten points if you said D.
Well, really, it's C and a little bit of A and since I am in because I shouldn't spend any more money, I decided to do C.
Might as well face it, August is going to be a red month. Birthday dinners, my sudden shopping and cosmetics compulsion, my need to have a professional work with my crown for a change and random mess has already got me well over my flex money limit for the month. While I have not yet spent into the red... I think it's coming anyway.
In the midst of all that, I was more concerned that this month's spending spree would hurt my big goal for the year -- saving six months of living expenses. For me, that's roughly $15,500 in the bank -- you will notice that is just about how much I owed in credit card debt once a upon a time!). But I just counted up the total of my emergency fund savings accounts and I am at $11,269. My automatic savings and a freelance assignment I completed will put me at $15,500 by the end of December. I am still on track! Even if this month winds up busted.
Whew! Still... that's no excuse to keep going nuts. Guess I better find some fun and free things to do for the rest of the month... or catch up on my reading! :-)