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Feb Breakdown and March Goals

February 28th, 2010 at 08:12 pm

[x] Dont use my CC
[x] Pay off $200 on CC
[x] Keep track of finances all month
[ ] Write at least 3 articles per week ll
[x] Minimal entertainment spending.
[x] $50 max spending per week when BF and I are together.

So I accomplished every one of my Feb goals except writing at least 3 articles per week. That's one I can work on more in March. As for being under budget... I didn't have a formal Feb budget set out, but my spending was as follows:

Entertainment: $123.77 (but that includes both my mom's b-day and valentine's day)
Misc: $170.28 (It is only this high because I ended up paying $130 to replace the lens in my glasses)
Groceries: $126.30
Food On Campus: $6.80
Gas: $28.43

All the rest are fixed amounts. Not really too bad. I went through my accounts to see if there is anything I regretted spending the money on, and I came up with nothing. I guess breaking my glasses was incredibly dumb, but aside from that I have no regrets whatsoever.

I hope that March goes as well (actually, better) than Feb did. My goals for this month are as follows:

*Stay under budget
*Don’t spend any money on clothes
*Pay off laptop
*Pay off tuition
*Don’t use CC at all
*Write at least 3 articles per week
*$50 max spending w/ BF per week
*Keep track of finances all month
*Put at least $500 in savings

and my budget is as follows:

Rent $200.00
Car Insurance $0.00
Phone $55.00
Meds (3 months worth) $36.00
Groceries $150.00
Clothes $0.00
Transportation $30.00
Car Repairs $0.00
Entertainment $100.00
School Exp $0.00
Florida Trip $75.00
FOC $0.00
Yoga $10.00
Misc $20.00
CC Payments $200.00

I'll have quite a few sources of additional income this month, so I should in effect not only be able to put $500 in my savings account, but also make a hefty payment on my CC. I know this is a REALLY strict budget, but I think if I stick to my guns I'll be able to manage it alright. I just have to utilize the willpower. lol.

This weekend I didn't spend *too* much. Mostly food... which I guess could have been avoided, but oh well. Stopped at the grocery store to buy the remainder of the ingredients needed for my sweet potato soup, and that ran me about $6, but I also have leftovers... that I'm eating for dinner tonight Smile

Talked to BF today a little bit about money, and he made the comment that he thinks I care about money more than he does.. but also acknowledged that I have a bit more to worry about as well.

It's kind of sad, really. I dont want to care this much about money because I'm not terribly materialistic, and I dont worry about money so much because I want to lead an extravagant life... really, my debt is the only thing that really makes me worry about it so much. The sad thing is that 97% of my debt is due to schooling costs... Not to say that I couldn't have made some smarter choices, but I have a lot of debt that is due to just wanting to go to school and living a pretty low key life.

I explained what really stresses me out is that the possibility of us getting married in the next 5 years or so is pretty high, and I certainly dont want to bring a boatload of debt into the equation, especially considering he really has none. So it's definitely something I think and worry about. I'm just happy that I've gotten to a point where I feel a bit more optimistic about things. I know that my goals for this year will be achieved, and that makes me feel really secure.

At any rate, it's time for me to get some homework done. No more spending today! And I think it's going to be minimal this week. Of course, friday I leave for FLORIDA Smile I budgeted $75 for the weekend. I'm hoping dad is going to cover most of my expenses while I'm there, but I'd much rather over-prepare than under-prepare.

Either way, I'm off. I hope everyone had a wonderful weekend!

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