Monday, 31 July 2017

Blow It, Then Bandage It

This seems to be a reoccurring theme in my life, blow my budget then scramble to make it balance . . . somehow.

This weekend there were a few items that I had to buy. No matter how I worked it, I just had to spend the cash. I couldn’t avoid it; I just had to do it. 

This is where having a small pot of cash reserves in my Mid-Term Savings would have helped. I could have either dipped into it, or not transferred as much into it this payday.

That is not possible this time, as (as I have previously said) I have to make all of my savings and Wanda Payment targets from now till October 22. 

Those payments and savings targets are as immovable as any other debt payment. There is no wiggle room or avoiding them around.

So, I will find other ways to save cash and make my budget work. I always do. I always find a way to pull things together, down the road.

I will only dip into my Personal Overdraft slightly this next payperiod and I am positive I will not get out of it next Payperiod either. 

I have a previously set mini-vacation coming up during this next payperiod that I will have to pay for on the payday of August 22nd.

I know that despite my best efforts the spreadsheet shall run red. I will carry on and make the day, though. 

I will make Total Debt Freedom Day for this is not the first time that I have blown the budget, only to have to turn around and patch it up again. 

As always: Keep your head up, your attitude positive, and keep moving forward!

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