It’s the middle of November, and I still have not quite put myself on a budget. I’m sort of doing the cash thing, but I’m mixing online purchases with my cash categories and going a bit crazy trying to balance it all out.
October ended up being a bust, budget wise, but I gave myself a pass on that. I will not give myself a pass on November. Even though 1/2 of the month is past, I can still salvage the last half and slow my spending down to a, well, halt. I’ve spent a lot of money so far this month, some of which I considered necessary. ( i.e. cleaning service, Weight Watchers membership). Obviously, those will end once I’m back on my feet and in good enough shape to exercise and clean myself.
However, the big money suck has been spending on miscellaneous stuff I haven’t budgeted for, including some Christmas gifts. Even though I’m halfway through my Christmas shopping (thanks to online shopping), I
want need to slow down and make sure I don’t fall into the trap of a holiday spending frenzy that seems to happen this time of year.
Do people really need to do this?
So, I’m putting myself on a spending freeze. One week of not buying anything but food and gas. This will give me a chance to do a budget and make a plan. Time to get back to the basics.