I won't bore you with the deep details of my April spending report.
If you've read my monthly reports before you know that I went over budget on food, probably on clothes and didn't spend much on gas.
It's the same thing every month, whether I'm way in the black, teetering on the red or hemorrhaging cash. (Just FYI, I was way in the black for April thanks to my bonus, certainly not thanks to my spending discipline, of which I exhibited none).
All of that got me to thinking: Ok, first quarter of the year is offer and summer is already approaching. What am I doing?
Single Ma's post "April Showers Bring May Flowers" was my much needed inspiration to take a quick break from playing and spending (believe me, I've been having a good time!).
I haven't paid much attention to my long-term goals, set at the beginning of the year and in my mind and heart for much longer than that. So now it's time to get back on the ball so I don't waste this year like I did last year.
Single Ma had a list of MUSTs in her post. A good idea, I thought, so I came up with a list of my own MUSTs (FYI, not all of these are financial, but they are in keeping with my goal of investing in me in 2009):
I MUST keep non-necessity spending to at or under $650 $675 a month.
I MUST exercise for at least 45 minutes, four times a week, preferably in the morning.
(Remember my back pain? It got much better when I regularly did my core strengthening exercises. I stopped. My back hurts again, a lot. If pain isn't a big enough motivator, I don't know what is!)
I MUST set realistic goals for retirement saving and get help from a financial planner if I need it (and I think I do, because, frankly, I am one of those people who simply isn't motivated to do this).
I MUST spend time with friends twice a month, even if it's by phone. Relationships are key!
I MUST monitor my goals monthly to make sure I am on track.
I MUST go back to my 2009 Goal list and start checking things off. So far... not so good.
I had set a goal of 6-months of living expenses in my e-fund. I have three, which, by most standards, is plenty for a person in my situation. I may reevaluate this goal, but, for the mean time, that's what I am aiming for.
So, tell me, what have you been meaning to this year (or meaning to do every month) that you haven't done consistently yet?