I just did some balancing and tallying for October, as I had not tracked my spending all week. I knew it wasn't going to be pretty. I had an unexpected quincienera gift to buy, the dentist, a shopping trip, a 5k I signed up for, a class I took through LAUSD, and a bunch of little things I spent money on. And sure enough, I ended up pulling $50 out of my E-fund to make sure I would be good until I get paid next Thursday.
I was sort of mad at myself for having to do that, but then I remembered-I managed to save $2000 this month. (Or $1,950 if you count my $50 from my E-fund).
I guess it wasn't too bad of a month after all.
I carried $500 of that over from September's budget, but the rest came from my October paycheck. This puts me on track for my Roth IRA contributions, and leaves me with $1,000 in my savings. I'm not sure what that money's for. I go back and forth on what to do with it, so for now it will just sit in my Summer Saver to earn my good interest rate.
But, it made me realize that even when I go a little off track, I've come a long way from when I was using credit cards every month and had no idea where my money went. All I knew was that none of it was going to savings. And now I have a healthy savings account. And that feels good.
Do you ever realize that you aren't doing so bad after beating yourself up?
I frequently realize that! I think because I used to spend so much - I'd buy at least a couple of pieces of clothing every week - that now, when I look at my spending, it's nothing compared to before. I'm always shocked on how hard I am on myself because I got used to being so broke and spending so much.
ReplyDeleteIt's great that you didn't do as badly as you had thought!
That's awesome savings!! Congrats!!
ReplyDeleteYou're doing good! $2,000 is a lot!
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