A detailed look at how close I am to matching the plan.
$9884 = bank account
$764 is the budgeted spending for the first 2 weeks of February. Actual spending is $1589.68. That’s $825 extra.
The extra is in several categories:
- budgeted spending that was higher than I budgeted… (this is only like $12 or something)
- spending from last month that bled into this month (e.g. groceries or a bill that arrived late) ($215)
- groceries ($88)
- wasteful spending i regret ($408, the majority)
- “wasteful” spending I don’t regret Financial Peace University ($102)
Some of the ATM cash will be used to make purchases I needed to make anyway (mainly food and a haircut), but I want to be conservative, so I’ll just count it all as waste.
- Bleeding and Groceries are fine. I’d pay them / they’re budgeted anyway.
- I don’t regret all of the wasteful spending (Dave Ramsey FPU), but it’s clear that I could have avoided most of that stuff without much consequence.
- I’ve predicted my costs pretty well… but I still haven’t said no enough.
Need to say no to San Francisco events, discount movies, and video games.
Waste is at $408… but probably it’s more like $300, since I’m spending some cash at grocery stores and other expenses I don’t bother to restrict. That’s not too bad.
Okay… what’s budgeted for the second half of February? $685. $185 for bills and $500 for food. $9884 – $685 = $9200.
March beginning money = $9200+$3910 = $13,110.
March mortgage payment = $13,110 – $9756 = $3354.
$3354 is a nice chunk of change, but since I’ll only be able to save a max of $6000 from my two March paychecks, it’s not enough to cover the April mortgage payment. Plus, I need to buy 2 Burning Man tickets. So I’m probably off of my plan by like $1200. Bleh.