Thursday, December 11, 2008

what's going on?!

The first budget period in December is total fail.

I don't even know what happened. I've been so busy with work and school and performances and sales conference and basically just trying to survive...my cash is gone, my bank account balances are lower than I ever let them get, and I have no idea what happened.

I've gone back through and it looks like I'm waiting on several mystery shop payments from last month that were larger than normal ($200 spa visit, three $70 dinners) which is why my credit card balance seems outrageously huge (not to mention the plane ticket I bought my sister for Christmas!). It also appears that I've not been keeping on top of things as well as I normally do--I entered a Paypal transfer in my checking account register and was getting concerned that it wasn't going through but it turns out I never actually scheduled it through Paypal. I've been eating out--cheap meals, sure, but they're still more expensive than packing lunch, which is why I have no cash.

I have to pick up a pricey prescription today as well as some other necessities (chapstick, mousse, face wash, conditioner, tampons...I hate it when all this stuff runs out at the same time and I feel like the checkout clerk thinks I'm some grubby person--it's just a coincidence!) and I'm going to have to put it on my credit card, which I hate doing. My checking account balances are just too low to risk using my debit card and then having a charge I wasn't expecting put me into NSF. I don't have overdraft protection and I don't want to pay any fees.

So. The plan from now on--spend nothing (other than on the things listed above and I'll grab a cup of microwave soup from the drug store for lunch as well) until all pending purchases clear and I have cash from my next payday. I have food at home to eat. My bills are paid for this month (rent, electricity, cell phone). Christmas shopping will get done this weekend, either in cash for in-person purchases (coming from a savings account sinking fund, so I can withdraw money for that) and credit card for online purchases (safer than a debit card if the number gets lifted). But other than that, I really don't need to do any shopping at all and that will help me feel a little more in control of things.

Oy. I will be very glad when this week is over. I knew it would be rough but...in some ways it's been rougher than I expected.

1 comment:

  1. I hear ya. Managing my cash flow when I was so debt obsessed killed me because sometimes I'd be running too dangerously low for my debits coming out from the account..

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