Skip to main content

One weak moment, and I'm down $9

(Chance Agrella/FreeRangeStock.com)

Thanks to a lack of discipline two paychecks ago, my last paycheck is very tight.

So, I sat down and figured out to the penny what I can afford to spend on gas, quick fill-in trips to the grocery store, and birthday gifts for a niece and nephew without whipping out a charge card.

And then Saturday happened. I went to the store to get said gifts and pick up a can of peas for a homemade stew, then swung by my sister's house for an hour or so to let my daughter and her daughter play together for an hour or so.

Afterward, I wasn't feeling well, so for the first time since I'd renewed my resolve to pay down our debt, and I swung through a fast-food restaurant on our way home. The guilt kept me from buying drinks, so I did minimize the damage.

But now, I've got to wrangle an extra $9 from my budget. I'm hoping either gas or fill-in groceries won't cost as much as I'd budgeted. And maybe, just maybe, if I can stick to budget for the rest of his pay period, I'll feel a little more encouraged and finally get some good momentum going.

Comments

Popular posts from this blog

Tackling the Electricity Bill

I got our latest electricity bill this past week. It went up. Again. I don't understand why. It's been a mild winter, so we haven't used the heater as much as last year. Plus, I've made a few small changes that I had hoped would add up to even a slight savings: I've cut down on the time the TV has been on. I haven't been perfect about it, though, because I still turn it on to watch something, decide to work on something else at the same time, then after an hour or so, I realize I'm not watching the TV at all. Wasted electricity. I've unplugged my alarm clock. When we first brought our daughter home, her pediatrician recommended we feed her every two hours for the first week or so. After the first night of pushing an awkward combination of buttons and waiting for the alarm time to advance every couple of hours, I realized it was tons easier to just punch the time into my cellphone alarm. I kept the bedside clock until about two weeks ago. I also unpl...

Home Improvements

I've taken a week off in September to finish some home improvement projects that have been in progress for far too long. My challenge between now and then will be to both set aside and earn enough to buy the supplies without having to charge anything. Our biggest expense will be paint. We've got to paint our living room ceiling, living room, kitchen, two bedrooms and one bathroom to have our home "finished." Hopefully we'll be able to get that far with it, but my fear is we'll need longer than a week to complete it all because several walls need to be repaired in places first. I've got a freelance project in progress right now that will give us the bulk of what we'll need, but I don't think it will cover everything. Plus, I have to make sure I don't spend any of it between now and then on "wants."

Walmart Cards

On Thursday last week, I made a hasty trip through Walmart to pick up items I can't buy at Aldi when I noticed a sign that said using a Walmart card at the Murphy Oil gas stations could net a 15 cents a gallon savings. Because I was breezing through the store on my way to drop my daughter off at daycare before I had to head to work, I just made a mental note to do a little more looking into it later. Well, I finally had the chance. The 15 cents a gallon saving lasts through Christmas Eve, and it's good only on a Walmart prepaid debit card or credit card. If the 15 cents a gallon were permanent, I'd consider getting the prepaid debit card. Because it's only temporary though, I've decided to try loading up Walmart gift cards instead, which gives a 10 cents a gallon savings at Murphy stations through Dec. 24. Hopefully, I'll make the time to fit it into my schedule because my car doesn't get the greatest gas mileage, and 10 cents a gallon could come in ha...