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Monday, October 18, 2010
30 Day Spend and Save Challenge Update: I Don’t Know if This (Budget) is Going to Work
This past weekend, I went to Philly for homecoming at my Alma Mater (Temple U.) and to celebrate my birthday with my friends. I had a blast! But I think I threw my spending plan out of the window. I spent more than $200 in 3 days. This is the cost of my cell phone bill and gas for an entire month! Where did all that money go you ask? It went to clothes, food, hair, transportation, and parties. If you remember from my past updates, I already exhausted my clothes budget and restaurant budget. Since I went over budget in these areas, I had to apply these purchases to other categories. I no longer have any money in my hair, skin care budget, or fast food budgets. I noticed that I did not allocate enough for gas money, so I might go over that budget too. I have $77 left in my entertainment budget and I just started celebrating my birthday. (My birthday is tomorrow-10/19.) There are still 12 days left in this month. I don’t think I’m going to stay within my overall spending plan. I need help.
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One thing that helped me when it came to my allocations for clothes, groceries, etc, I made envelopes for each category. Then, I withdrew that money and put the exact cash in each envelope. When the money was gone, so was my spending. It's much too easy to whip out a card, debit or credit, to overspend. It worked for me and maybe it will help you too!
ReplyDeleteI have heard of this envelope system. It works for me when I go out. I take a certain amount of cash with me and it helps me to not overspend. I think I will try this when it comes to my clothes and restaurants budget next month.
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