another month down
I’m not completely pleased with this month’s progress, but I think I did a good job.
Great things:
I passed the $1,000.00 mark in my ING account. I haven’t racked up any credit card interest, having paid my small balance in its grace period. I increased my net worth by $740.00. I decreased my expenses by trimming my cell phone bill. I only went without brown bagging for lunch maybe about 2 or 3 times this month. And I did a good job of anticipating and budgeting for reasonably expectable expenses.
Not-so-great things:
I spent over $200.00 on a cell phone handset that I didn’t anticipate having to buy, which gives me a bill for August that I wouldn’t otherwise have. Having to pay this bill will alter my debt repayment schedule. I spent more on groceries than I budgeted for - someone I love, I’ll not name names, wasted food and I had to get more. I shop with my boyfriend and we buy groceries for our apartments every week. I hate going every week - there’s temptation four times a month to spend more money, walking past all that food. I’d rather go twice a month. I’m trying to get him to make the adjustment. But this is a minor issue. I’m still good at setting an amount to spend and sticking to it - I don’t splurge just ‘cause I’m at the grocery store, but I do feel more tempted, so I’d rather not go.
If you want to see how I did with debt repayment and savings, go ahead and check out my numbers by clicking on "Net Worth" over my net worth progress bar, and as always, suggestions are welcome. I feel like I have so far to go, but I’m so encouraged to see any amount of progress, knowing how hard I’m working.
