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Mid-month Financial Checkup

November 13th, 2006 at 05:46 pm

Alright. So it's the midpoint of my financial month (which always starts the 28th, as far as I'm concerned). I sat down and tracked my progress in spending/savings. I have to say, I'm doing pretty good! Last month at my midpoint I was $47.55 OVER the budget. This month, I'm $141.51 UNDER the budget, so happy dance! The only area where I'm over budget is groceries... big surprise. hehe. The good news is I'm only over by 2 cents. woohoo! Let's just hope I can keep myself from buying groceries for the rest of the month. heh. We really have plenty of food. And that shopping trip to the market district was a bit pricey, but always is Smile But the good news is that we only ate out once this month, twice if you count the money I spent at the coffee shop with my french buddies. Dining out is my one big flaw, but I did really good this month. Yay for me! Aside from that, I've put $175 toward my loan this month, and put $146.75 into savings. That totals $321.75 towards my $20 challenge thus far, which is more money than I've spent! Of course, I haven't paid rent or anything so it's a little skewed... At any rate, being a hermit is paying off! hehe.

So last night me and BF actually went out. My neighbor is a comic, and he took us to the club he plays. We got in for free-saving each of us $30. I did end up spending $16 on food and drinks, but I took it out of my entertainment allowance. Next time I'm just going to buy drinks. $6 for 2 cokes isn't cheap, but when you get into the club for free, I think it's worth it.

Today I went to class, and then scheduled for next semester. A big fiasco, but I'm happy to say that I have NO 8am classes. Yay! Not sure how my boss is going to like the schedule, but he's good at working around it. Which reminds me, I've decided to stay in Ohio for black friday. I need a little more time with my friends and family this month. Now is homework time, and then work at 5:30. Let's hope I make some money! I didn't do too well on saturday. I want tonight to turn it around!

I did have to stop at the store on the way home to buy some needed *feminine supplies*, but aside from that I'm not spending any money today. I'm still in the process of getting my emigrant account set up, but I did finally take care of setting up my online banking as well yesterday. That'll be convenient from now on. Either way, this is getting long... I better go!

p.s. That comedian last night had all sorts of jokes about shopping at costco and sam's club. It was pretty funny! I thought of you all... Smile

Posted in , Business, Goals, The Budget | 4 Comments »

4 Responses to “Mid-month Financial Checkup”

  1. rduell Says:
    November 13th, 2006 at 06:05 pm 1163441129
    1163441129

    Way to go!

    I have never thought of doing a financial check half way through the month. Very interesting! That would give me another spreadsheet to add to my collection. Thanks for the idea!

  2. Aleta Says:
    November 13th, 2006 at 06:20 pm 1163442006
    1163442006

    The one good thing about food is that it isn't a fixed expense. You could by checking in the middle of the month know where you are, which could stop you from overspending any more. I sort of do the same thing. I have a cash emergency fund at home then I use to fund all of my cash expenses including my food and I just allocate a certain amount everyweek and keep track of all of my cash expenses during the month and at the end, I write out one check as a reinbursement.

    I started keeping the cash around after Hurricane Andrew. I also learned to keep change and $1 bills in case you needed to buy ice and there wasn't any change available from the vendors.

  3. happyzookeeper Says:
    November 13th, 2006 at 08:17 pm 1163449053
    1163449053

    Sounds like you are doing great mid month!

  4. janH Says:
    November 13th, 2006 at 08:53 pm 1163451201
    1163451201

    Maybe now that the decisions are off your shoulders, you will feel happier at work and monies will flow!

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