Want my thoughts on budgets after a mere 7 days?

I hate them.  It’s stupid.  I am broke…only now it’s all written out and laying in front of me instead of just a thought in my head.

Here are my problems so far:

I get paid once a week.  That means, the checks are small.  So in order to cover my mortgage, I save a bit of each check every week.  This past week, I paid my mortgage, which meant there was nothing left over (not a new problem).

Last Sunday, is when I got my cash out for the week; $60 for my “envelope”, daycare money, etc..  This Sunday?  I can’t get out my cash until pay-day, which is Thursday (because of my mortgage payment).  So I wait.

Also, Verizon automatically takes out my cell phone payment.  They did that yesterday, which I thought wasn’t until the 16th (after payday).  Which means, I might have overdrawn my account.  Which means, a $36 fine.  Which is $36 more than I have available.

AHHHHH.

My “extra” envelope does have some cash in it, but I can’t get it to the bank until tomorrow after work…which the bank is closed then.

As far as my $60 went this past week?  Eh.  It wasn’t bad.  I did go over by $30…which is a large percentage.  HOWEVER, I made a bit extra:

$12 extra due to selling HJ’s old clothes/toys

$18 payout from vinted

$15 paypal payout

Which means, I am technically up $15.  I might be able to make it to Thursday after all.  Fingers crossed.

My extra envelope is trying to get a good chunk of change in it, because I NEED to get my hair done.  I know what you’re thinking, no one needs that.  But I only do it 3 times a year.  And the grey hair seems to be growing faster now that I turned 33.   I contemplated getting a box of color from Target, but I had a bad experience trying to color my hair in college.

3 Thoughts on “Week One of the Budget

  1. I like your honest thought, and I’m checking out vinted, I hadn’t heard of it.

  2. I used to work at a bank and if you’re a pretty good customer, managers (never the frontline tellers or the first people you talk to on the phone – they have virtually no authority) usually have quite a bit of leeway to reverse fees. It might be worth calling them, asking to speak to a supervisor, and explaining what happened. There’s a good chance they would reverse the $36. Might be worth a shot!

  3. budgeting is so hard! but at least you’re taking a step in the right direction!

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