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December 22nd, 2017 at 06:12 pm

Wow, created the new budget for January 15th pay date and things are tight. I start back paying the student loan next month 🤦🏾‍♀️🙄. I was thinking about postponing this but thought the interest is mounting so go ahead and take care of it.

While creating the budget, I had to make sure that I sock away money 💰 to the sinking fund. I want to be able to pay the car insurance in full for the next six (6) months upon renewal.

I didn't budget any fun money, hair or personal money that's how tight things are. I probably need to look at the 28th budget period and adjust here to pay one of the loans early.

Different news, I've been scanning every single receipt I come across, adding to the Receipt Hog 🐷 app. My SO gets upset if we're out because I pick up receipts as I see them. I'm only on week three and have over 730+ points. Once I hit 1,000 points, I can cash out for $5. Not much but hey I'm throwing it at my snowball. Maybe I'll wait until I hit 2,900 points to get the $15 or just wait until the end of the year racking up points, and then cash out. I even have my mom saving me all her receipts. Decisions, decisions and more decisions, lol.

Update to post. Revamped the 28th budget to include one of the student loans, this helped out tremendously. By doing this I was still able to make it work paying extra on CC3, sock away funds to the sinking and family trip fund, as well as having myself a little splurge money. I know but I find that I need this, it really helps with not busting my budgeting.

Who would have thought that I could create a budget and stick to it. In the past, I would try to create a budget but would get frustrated. Taking FPU and having the zero balance budgeting system explained to me made a huge difference, it was truly an ah ha moment, it was like a light bulb 💡 went off.

It's a slow process but I do see myself making progress.

3 Responses to “Budgeting”

  1. TurtleLover Says:

    I really do enjoy reading your posts and I cheer you on! You will get there! I'm with you about the $1 at a time so ...$5 is a "chunk" :-) keep posting!

  2. rob62521 Says:

    Keep up the good work. Sorry SO doesn't understand the importance of scanning those receipts. Sometimes doing little things pays off big in the end. I think you are doing exactly that!

  3. FrugalTexan75 Says:

    Amber I'd be careful with the receipts. You are in a sense violating their terms of service by using receipts not from your immediate family/household.

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