I’m excited about my upcoming vacation. Time to do some money planning around it. I’ve spent around $150 in August on movies and shows:
$62.35 complete Blu-Ray Start Trek The Next Generation
$48.06 complete Blu-Ray Miami Vice (these discs have tiny defects that cause them to not rip well 😦 maybe I should return…)
$43.62 complete DVD of Sliders (1995)
Cool stuff, and I probably overpaid a little, but to have spent $150 out of budget and it only be 5 days into the month… I need to chill out.
I just set all the stuff that’s already paid to zero. Am I forgetting anything? I had an oil change yesterday. Unplanned… my check engine light just came on so 5 minutes later I dropped my car off across the street from the office. Oil change and tire rotation: $50.
On the 15th, which is a Tuesday, I get my next paycheck, which will be for around $1982 because I have the 401(k) hose turned on now. About $950 of that paycheck is current unaccounted for in the budget, but I already know I have property tax and car insurance coming up in the fall. Christmas plans are TBD, so I’m not sure how to budget travel for that.
With the $2500 I put into savings when I got paid, the $750 puts me at $5250 savings for money I was paid in July. June was $7617.72. But by the same measure May was $0 because I was paying off the condo.
$7617 / 3 paychecks (May 31, June 15, June 30) = $2539
$5250 / 2 paychecks (July 15, July 31) = $2625
~66% savings rate since paying off the condo. That’d be about $2654 spending per month. $654 above where I want to be.
If I split the extra $950 from the August 15th paycheck between savings and spending, I’ll be on track to maintain the same pattern. There’s kind of a paradox in that… A coworker invited me to a costume party last night. It was $40/person, so I’d have to spend $80 to go w/ my date. To spend time with other people. If I don’t do that, then I’m at home… and at home I’m much more likely to putter around on Massdrop or Amazon looking at things to collect/hoard. Pick your poison!