This is the first of what I hope will be 52 weekly posts detailing where in the hell all my money is going.
I am using an envelope system and budgeting monthly. Most of my expenses are fixed, so for the most part, it’s that handful of discretionary envelopes that I’ll be tracking.
Groceries: $25.83 spent. We needed toilet paper this week and my favourite stuff was on sale. We didn’t need much else.
Monique: $25.65 spent. I bought a digital download of a record and a scarf from the Sally Ann; 3x takeout coffees.
The Kid: $26.72 spent. The Sally Ann had kids’ clothes on ten for $5, so I got a few back-to-school outfits. The rest was a birthday gift for a kid in his class and a very small Millennium Falcon. (I made a budget envelope to cover some of his wants and needs each month. He also gets a weekly allowance, which will get its own post at some point.)
The Dog: $226.00 spent. This dog has chronic ear problems, and we’ve been treating him for infection for much of the last year. This is just the latest in a string of vet bills I’ve had to pay for him. I had budgeted $100 per month for his expenses, hoping we’d seen the last of the vet for a while. I was mistaken. This one appointment emptied not only his envelope but mine too. It got me down, since it was so early in the new year and I was so committed to staying on budget. I didn’t expect to see my resolve so thoroughly tested this early on.
Savings/Goals: I have my $1,000 emergency fund in place, which should keep me from going further into debt.
This week’s takeaway: Shopping is fun; Dogs are expensive.