Thursday, 31 May 2018

Spending Being Corrected

So, I am one of those people who watch my finances like a hawk. 

I do this so I know exactly where I stand as well as watch out for any odd transactions that happen on any of my accounts or credit cards. 

Since I am now in the mode to pay off my Low-Interest Credit Card, after funding my Mid-Term Account half-way to my target I have decided to stop using it (makes sense, right?)

I have to make another batch of my Mealstarter this weekend yet I have no extra cash in the bank to cover this (without dipping into my Personal Overdraft).

The usual thing that I do is to just charge it on the card and pay it off when I get paid. This way my Main Account stays above zero yet I still get what I need.

So what to do this time? Do I push off making my Mealstarter? Do I dip into my Personal Overdraft?

What I will do is blow my Grocery Budget (as in spend everything left in it) and dip into my Contingency Fund, to top it up, in order to buy what I need to buy.

This way I can still get what I need to get, yet keep that Low Interest Credit Card turned off (as it should stay until it is totally paid off again).

I can also keep my Main Account out of my Personal Overdraft. 

It is a bit of a dance, but I can still do what I need to do while keeping my fiscal plans moving forward.

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

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