Hypothesis: If green is the color that you want to maintain, how long will you be able to avoid red?
I have a bad habit. I end-load my desired payments to whatever the day of payday. Essentially, if I spend more than what I am planning, the end-load payment is obviously decreased. Makes sense?
This two week period I've front-loaded the payment and am "Paying ourselves first."
And I was amazed at how my spending habits/patterns changed when we were down to our last cash this week after time away. We made it with $.30 to spare. The cupboards are a bit barer and we ate cereal for dinner last night.
Today I am taking my cash for the week out of the ATM. No debit card usage this go around. I am hoping to be pretty accurate on how much I target to spend.
So this week it is all GREEN. Inconvenience will be going into the gas station to prepay for gas. And that really isn't an inconvenience.
This week to save money I:
- Bought cereal on sale at Walgreens and using a coupon paid less that $1.50 per box. This is an area I'd like to improve on - boxes of sugary crap cereal should really be gone.
- Bought one of the required text books for my class and have requested the remainder through inter-library loan.
- Requested generic Flonase through the Pharmacy instead of paying 3x as much OTC
Hoped for outcome of this week:
Spending in the $150 to $175 range and putting an additional $200 toward retirement.
April 10th, 2015 at 05:44 am