Greetings, readers. For the past six months I have endeavored to finish the month on or under budget. So far I have failed miserably. Last month was the closest I have come, only needing $50 extra. Here is why I do not make budget.
Reason #1: Although my medications are not full-price because of my insurance, they do average out to about $75 a month. There is a big ka-ching out of the $600 right there. Meals on Wheels is helping me on food, but …
Reason #2: I like to enjoy my TV time munchies. The closest place to get them, plus cat food and paper products, is next door at the local pharmacy. I do look for the specials, which helps, but that particular store usually wants top dollar. Things like ice cream, chips and popcorn are quite expensive.
Reason #3: Occasionally I need to rent a Zipcar, such as for this Sunday to visit Mom at the cemetery. I am budgeting $20 – $30 for that. As you can see, blink and the money slips away quickly.
Lastly, I am still an impulse shopper. I am not nearly as bad as I used to be. At the beginning of each month when I have money, if I see that thing I really want, I usually break down and get it. I am pleased to say that in the last two months, I have not made any impulse purchases. I have told both Rebecca and Mr. Updegraff, the accountant, that we are going to use this computer until it dies. I am also still using my old PS3, and although it is not on life-support, it won’t last forever. I would like to get a PS4 before those go obsolete.
I feel bad when I make myself sound like a poor person. With a trust fund, I’m really not; though it comes to me in monthly installments. I’m still trying to learn to come in on or under budget each month. If I can learn to do this, I’ll feel better about myself and make that lump sum of money last longer.
When I was younger, my family made sure that I wanted for nothing. My folks did not teach me, however, how to save money or make a budget and stick to it. If I needed a little extra spending money, I got it. Now, I’m trying to work with a half-empty tool belt of life skills. Being aware of these issues, I will get better each day and each month. But it is a slow process. I’ll need some good wishes and prayers.
If you would like to leave a comment, or share your story, please do feel free. Until next Wednesday, have a great weekend, take care and happy reading.