Wisedebther Weekly Spending 1.14.18- 1.21.18

Another week has come and gone ! Inching towards the end of January means that new year, fresh feeling is starting to wear off. The realization that no long weekends or extended breaks are to come for some time has also led to the “Sunday Scaries”. At any rate, I’m currently warding off by eating some Mango Gelato, decluttering/cleaning[have barely scratched the surface], and recommitting to resuming my weekly expenses. I do say this somewhat lightly, as I feel blessed to be in a position where I actually enjoy my job.

BIG big week in spending, but in a good ‘kinda way. The number was huge due to paying off another LOAN, leaving me approximately $3700 from Debt FREE!!!

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Wisedebther Weekly Spending 12.11.17-12.17.17

Wisedebther Weekly Spending is back!! I falsely reported
earlier this week that my last weekly spending report was around Thanksgiving… it was in fact the first week of November. Funny how the mind plays tricks on ya.

Anyway, I’m a bit distracted over here because I just put a bid on eBay for a wedding dress that costs, wait for it… $86!!!!!! I can’t even believe it myself. It’s long, lace on top, but not too fancy either (I’m planning to elope). If all pans out AND the dress fits, I’ll be sure to report more!

Sooo spending this week. I’ll just cut right to the chase. Here it is:

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Wisedebther Weekly Spending 11/5/17-11/11/17

It seems I have developed the nasty habit of moving this weekly spending to Monday instead of Sunday as originally intended! In my defense, I ended up working most of Saturday, which meant Sunday was my day for errands, cleaning, and of course chilling. Below is my spending for last week. Don’t mind my horrid handwriting. Normally I would input a neat and orderly table, but I just thought the way the colors lined up was cool—like a rainbow! Maybe that rainbow extends to a debt free land?!

 

I’m proud of last week’s spending—ESPECIALLY where it comes to food. I kept it under $100!!! Little bitty baby steps ! I’ve got a new system down that I’m excited to share in another post entirely.

I did however make 2 money mistakes. The first being that I neglected to follow-up with my 6-month bootcamp class membership. I assumed when the 6 months I was up, Poof! there goes my membership. I was wrong. I was slightly dismayed to see a charge for $144.95 on my credit card. Apparently, if you don’t cancel they start charging you month to month until you give 30 days notice of cancellation—tsk, tsk. I really like the classes though and they are only 2 miles from my house, so hey I gotta make the most of it. I wouldn’t consider the situation ideal by any means, but I’ve been so on top of my spending that I was able to address the issue right away. So, money win? Money lose? Probably something in the middle…

Audible membership ($14.95) was money mistake #2. I put it on “pause” a few months prior as my obsession with podcasts, grew, and GRew, and GREW! However, I forgot about said “pause” and the membership resumed on Saturday…womp womp. I was initially bummed, but seeing that I’m on the waiting list for several podcasts/books at the library, I’m going to take it as another money mishap gone Right!

With the holidays around the corner, I expect it may be difficult to find low spending weeks like these in the near future. This isn’t because I plan to go on a wild holiday spending spree, but I won’t skimp on holiday dinners, nor donations. Also, I still have about $2-3K I hope to pay off by years end. We are hosting both Thanksgiving (my brother + our friend) and Christmas (fiance’s mom and aunt) this year, so boat loads of fun (and $$ stories) to come.

‘Til nex time… Wisedebther to live better xo

Wisedebther Weekly Spending 10/29/17 – 11/4/17

Better late than never ! I returned from Chicago Saturday evening after a work trip and always find I’m playing a bit of catch up after travelling. I find work travel to be equal parts exhilarating and exhausting. Returning home on the night of “Fall back” created the perfect scenario for sleeping and still having the most of Sunday available. I made it to tallying up my expenses yesterday, but not writing this post. Here was my weekly spending:

No major surprises here, but my goodness quite pricey. The beginning of the month signals RENT!!, by far my biggest current expense. My food expenses, while much cheaper than previous weeks were still a bit steep—but for real good news coming for the next week! I swear this isn’t a girl who cried wolf situation. The travel expenses should ultimately be reimbursed, but I’m trying to treat it as ‘true’ spending and then I’ll just add the reimbursement to my monthly income. In the past, these travel weeks are where I would go off track BIG time. This trip I really gave it my best effort to track where/when/what I spent/bought. Part of the issue is when I travel I often use cash, which is contrary to my “normal” at-home life. In most cases, I had a receipt; however, where I did not have one I was pretty well able to approximate the spending. I’d say I’m off by a few dollars at MOST, which is pretty impressive for me!

Self-maintenance was also travel related: Nail appointment, new mascara, and dress socks so my feet didn’t freeze to death in Chicago. It.was.so.cold.

Finally, our “Funtivity” was going out for apps and beer on Saturday night after I returned to Tampa; honestly, it was not my best $$ decision. Sort of poor service, plus one tired couple, equates to money that could have been better spent—yet, c’est la vie.

Since the spending this week was steep (RE:Rent), I’m going to try to lay low next week, BUT it’s also the perfect weekend for me to do a bit of personal wardrobe shopping. I had originally set a limit of $1000, which I now scoff at because that is way too high. However, I know even a few hundred dollar update for the winter will do my soul some good. I have been closet purging, so I’m ready to add more, within reason of course… Ok, so $500 limit it is! Considering I don’t need much in the form of winter clothes, it is fine by me.

Sending positive vibes for the week ahead and hope you can Wisedebther to live better xo !!

 

Wisdebther Weekly Spending 10/22/17-10/28/17

My third weekly spending has arrived! I’m liking the process and routine of it all. I block out some time every Sunday to review—usually with some wine! Then, I pay off my credit cards, tally my weekly expenses, add expenses to the month’s total, and reflect on where I am in terms of my debt. Each tiny little step is becoming slightly more exciting, liberating, and also a little scary. I think I’m finally getting to a place where I’m good at monitoring the cash flow and now I just need to get the budgeting piece down (ideally, before the debt is gone!!). I’ve mentioned previously that the food/drink area of my spending is where I struggle most. For next week’s report, you will hopefully see that I’m being more cognizant and learning from my mistakes. Without further ado, here is this week’s spending …

weeklyspending10.29

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Wisdebther Weekly Spending 10/15/17-10/21/17

Happy Sunday!! I am scratching my head wondering where this weekend went?! Cooler temps are headed towards Florida this week, which will be welcomed with open arms. A change of pace for a few days is exactly what I need.

Meanwhile in $$ land, it was mostly an unremarkable week, which is more good than bad. I spent less than $40 outside the house (i.e. “Funtivities”), but certainly racked up a bit of a high tab in the Food & Drink category. I attribute this to poor planning of when the weekly haul of grocery shopping would occur. I had three little ‘mini’ trips towards mid/end week that ended up costing a total of $61.76. I’m no longer in denial that I’m spending way too much on food, but I also do a great job of rationalizing it—for example, my little spending devil will say “It’s still cheaper than going out to eat”. This may have some, but also limited truth since quite frankly I’m spending WAY too much. For November, I’m aiming for <$100 a week…

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Wisdebther Weekly Spending 10/08/17-10/14/17

I can’t believe October is already half-over. I’ve had the luxury of time this month to really focus on where the hell my $$ is going. I’m about a month into my weekly tracking and figured that sharing it here in a short and sweet summary would be just another way to hold me accountable.

My categories are mostly self-explanatory, aside from “Funtivity”. This is the word Juan and I use to describe any outside activity/spending that is “fun” based. “Funtivity” runs a gamut including coffee shop, drinks/dinner out, a concert, beach day, or basically any other recreational FUN only activity. Although I also consider exercise to be fun (well, sometimes), I put that in its own Health and Wellness category. That said, I arbitrarily chose these categories and am aware that it may not be quite as obvious to the outside observer. I feel a bit naked sharing this, but that’s probably a good thing, right? Ok , deep breath here we go…

Spending re-cap: Clearly, the spending was high this week (AKA cash flow in the Neg). But, after factoring out that extra loan payment, which also allowed me to say bye bye to a whole Loan, my spending was $241.33. The food category is deceivingly low, since I spent quite a lot the week prior, >$100. This was because I had a guest in town and always try to make sure the house is well-stocked with snacks and drinks! In terms of my household expenses ($81.46), that was actually a trip mixed in with a few self-maintenance items (e.g. face wash, toothpaste, body wash). However, I lost the Walmart receipt and I’m trying not to let perfect be the enemy of good ;0).

Unless I hit the lottery, my spending this October has me in the Red. Yet, I don’t feel too down about it. I’m feeling closer and closer to the finish line of debt free and that feeling has got me amped and ready to go! If I can get this budget thing down pat before my debt is gone-zo, I’ll feel ready to conquer the world! Ok, in reality, just my personal finances if I’m lucky…

Until next time, Wisedebther to live better! xo