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.
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.