manage my finances better

Caught up on doing my tax returns in June….. Saving more and spending less. Enjoying life a little more. Still much to do.

I think Im now getting better in this regard. I cannot say Im there but Im getting there. sometimes i give a lot. I dont know wether thats a good or a bad thing, i wish i knew. a friend once said, you can never be too generous Was he right? Maybe Ill never know.

I haven’t looked at my budget in several weeks, and frankly I’m a little scared to now. I had a shitty couple of weeks, so I indulged in some retail therapy. And it involved buying about 12 bottles of shampoo and conditioner. Clearly I was not in the right frame of mind to have money in my pocket.

Our kitten got ill unexpectedly and that has cost us over $1000 so far.
Still, I can be responsible in other ways and manage my spending better

Have had several unexpected bills and expenses because of illness in the family.
Have not really progressed here. But I WILL!

I actually banked a decent amount this month – so I am happy that I’m making a small start on this goal.
I’ve also decided to try to save money my taking my lunch to work and cooking most of my food using good quality and wholesome ingredients. Cheaper, and better for me than restaurant, takeaway or processed meals.

i want to save and buy myself a dream house:-)

One of my coworkers gave me a great budget template that I’ve been using for about 6 months now. It has been incredibly helpful. I sometimes wonder what I did before I started using it.

I still need to work on spending the money in a more wise way, now that I’ve tackled tracking how I’m spending it in the first place.

Where to start???

Well I’m managing. I have $1500 in savings! I also put money into the gas and water accounts every payday so that when the bills arrive they are either not a big amount, or I am in credit!