The month isn’t over for us yet, but the numbers are sorta kinda in.
It looks like we’ll be able to put around $700 into savings this month. Plus around $200 from saved savings. And anything that may be left in the bank account by the time my check is cashed and everything’s ready to be transferred over.
I try not to figure that into the equation. That’s because each time I do, something goes and sucks up the money I was counting on. Then I get frustrated and disheartened. So for now, I’m assuming that we’ll be under $100 by the time my paycheck is deposited.
The $900 would put us up to $18,500. Unfortunately, December isn’t shaping up to be a great financial month. The credit card bill is already creeping up for various things: prepaying for FinCon, some help now that I joined Pinterest, etc. It won’t help that November has 21 work days instead of 22, which dings my check a little.
So even if I get a bonus (and even if it’s the same amount as last year) we won’t quite hit our $25,000 goal. But it seems like we’ll get darn close.
Granted, a lot of the progress we made actually comes from outside sources rather than internal savings. I had the contract work last month, and I now work one weekend a month of overtime.
Without that, we’d barely have budged in the savings department. That’s kind of disappointing, frankly. I’m slowly looking for ways to start saving more, including just trying to avoid the convenience tax by a little more planning ahead.
Easier said than done with chronic fatigue and depression, but it’s something I’m working on. I’m tired of feeling bad because we have to go buy cat litter or toilet paper at Walgreens rather than the pet store, grocery store or Costco.
It’s that little stuff that eats into your budget, but we got so busy that I just started letting things slide. Now it’s time to tighten things up a bit. Because our finances are going to get a lot more interesting in the new year.
We’re going to be losing $760 a month starting in January. Well… “losing.”
Because we’re waiting on the SSA appeal, Tim’s worried that we’ll have to repay the money we’re getting now. Which is true, of course, but if we keep getting serious about documenting his issues then I think we can win the hearing.
That said, he was starting to have rash breakouts from the worry, so we compromised. Other than what we send the lawyer, we’ll put his monetary benefits into a bank account. That way, the money will be there if we do lose. And I guess when we win (see me being all optimistic?) it means we’ll have a bunch of money to put toward paying off the mortgage or whatever.
But in the meantime, that’s nearly $800 less in the budget. Some months we’re lucky to put away $400 so… eep. Though those tend to be the ones where one of the barrage of repairs rears its head. But not always.
A raise would help ease the pain a little, and I’ve gotten one every year I’ve been with the company. But there’s got to be a logical cap. Plus even a $2/hour raise wouldn’t cover the difference. Every bit helps though, right?
So yeah, it’s going to be all about finding small ways to cut. The Ooma savings have helped. The biggest bill so far has been $4.15, which is a $30 savings over Vonage. Our Internet plan also dropped $20 (and got faster), so that’s an extra $50 a month to sock away.
Now it’s get about trimming a bit off the miscellaneous spending. A little more forward planning — mainly by stockpiling toilet paper, cat litter, protein bars and other things we routinely run out of — could go a long way.
Maybe Black Friday will see some great TP prices. Try not to be jealous of my glamorous life.
What’s a small way you could trim a teeny bit off the budget?