Thursday, May 28, 2009

my car is paid off! (and a budget update)

as of today, my car is fully paid off! i am so excited. it is only $200 a month but i am really excited to have that extra money. i have already planned future months' budgets to allocate that money to debt so it's not like i'll see anything extra, but it is nice to know that one more debt is paid off.

speaking of the budget, it's in the toilet this month. i don't know what happened (well yeah i do) but i totally overspent. i am over on like everything. it sucks.

i think part of my problem is that my budget was just a guess and now i am finding that it is not accurate in terms of what i spent. for example, today i got my hair cut. there goes $50 right there. and of course haircuts are not in the budget. i do have $50/month allocated to clothes and shoes. however, this month i already had to buy two pairs of shoes, one for work and one for christine's wedding.

i also had to buy a bag. the only large bags i owned were like these cloth bags from guatemala or else tote bags and it was ridiculous that i would drag those around to nice restaurants, court, etc. between the bag, the shoes, and the haircut alone, i have spent $235.

household items were also a big expense this month. i ran out of citronella candles which are a summer necessity for me in order to enjoy my backyard. i probably spent about $40 on that. then i decided i wanted to plant some herbs. there goes another $20 for plants and dirt.

my sister came to visit me at the beginning of the month. note to self: no more visitors at the beginning of the month. dinner out was $47. a trip to the aquarium was $18. beer and wine for her visit was probably another $25. i either need to stop having visitors or make them buy me things. or else we sit home and watch cable.

don't even get me started on entertainment costs. first there was all the money i spent during my sister's visit. then there was the cincinnati imports westside bar crawl (i spent $53 that night alone). i am taking a golf class and, while my aunt very awesomely gave me her old set of golf clubs, i needed a putter and a glove... that was $40. i was over my entertainment budget on like may 20. how could i get through over a third of a month, including a holiday weekend, and not spend anything on fun? i couldn't. (i didn't go to chicago by the way for anyone who was wondering.)

i am depressed over my spending this month, but the thought of having paid off my car is nice. i just need to do better next month. i really feel like some of my spending is related to the weather. it's nice out so i want to go out and do things and spend money rather than sit at home and be a hermit. the weather is only going to get nicer so i am going to have to figure out some way to deal with this.

3 comments:

  1. Congratulations Liz! On a side note - I am very poor right now because I bought new furniture and with our new house have been spending more money than I ever thought possible. I feel sick about it. I can't spend money for the entire Summer. You can sit on my new couches or porch and drink the left over beer from last weekend with ryan and me. That's all we can afford.

    Also - Ault Park is nice for just sitting and reading or playing frisbee. It is free and outside. If you go to the library you can check out free reading material.

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  2. I love getting my hair cut. Something about someone being so focused on my hair and it's like (sorta) being at a spa. Definitely worth 50 bucks every now and then!

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  3. Congrats! That's an amazing achievement - it must feel great.

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