|What I've spent so far in January. The big purple one is rent/bills. The big green one is paid on debt.|
So far, I have to admit, this project has felt like a bit of a failure. But then I crunched the numbers and it is totally not!
It seemed like a failure because I have found myself, as I always do, nearing the end of the month with very little money left. And the only difference I see is that, instead of having pretty new things to play with, I have very little money but nothing fun to play with.
But, in talking with my Frugal Companion, I came to realize that of course I have something -- I have less debt than before! I also discussed my past thinking about paychecks, which goes something like, "OK, I just got paid, I have to spend all of this money really quickly before it goes missing." Because it always goes missing. And by "goes missing," I mean, I spent it and so there isn't any left later on.
But there are three reasons why I have less money right now than I had thought I should have:
1) My phone bill went up by $50 this month from last month. Now, I had a special introductory cheap internet offer, but with that offer ending, it should only be a difference of $15. So I am going to go and see the phone people tomorrow to sort this out, and also switch to a cheaper (slower) internet thing. Sigh.
2) I forgot to turn off my automatic bill payment thing! So, while I was putting lots of money onto my debt, my bank still thought I wanted it to pay an additional $175 per month WHICH I DO NOT WANT. So, I cancelled that, and so there won't be any surprise deductions like that anymore.
3) The other thing is that I got my hair done and it was quite expensive. However, all it needs now is an occasional trim and no colouring, so that's a one-time-only expenditure.
Additionally, when I go to take my prescription receipt to the insurance place tomorrow, I will get a check so some of the "Drugstore" money will come back to me, too. And, though I was paralyzed with guilt, the amount spend on hot drinks was not as much as I had feared (I only got 3 all month, and one was half-price).
So this are not so bad, really. I am spending too much on groceries - yes, I realize that and will work on that via meal-planning.