So, the last few budgets have been frustrating for me, as they have seen me put less than I would like into savings. This has been due to a few bills that have cropped up.
Some of these have been self- inflicted and some have just arrived. Again, some of these were scheduled and some were unexpected.
What this means is that more of my paycheque has being going to these expenses. Part of this has been, what I call, funding my wallets (again).
For those of you who don’t know, I fund my operational expenses, in between paydays by spending out of physical wallets.
This way I can clearly see what I am spending, get the pain of the spend (as in when I hand over cash to pay) and my bank accounts remain untouched.
This is a key part of my strategy to remain on budget.
What is supposed to happen is that I put the cash I spend out of the wallets back into the wallets.
For the past . . . say . . . six months this has not been happening as stringently as it should have been.
So for the previous paycheque and this one, I have been pulling extra cash out to put into the wallets. This paycheque will see that project completed.
So, after this (unless I spend recklessly again) I will see myself putting as much cash as I can into savings again, and hopefully make up ground on that front.
Again all we can do is the best we can do with what we have at the time. With focus and consistent effort, we can and will improve our lives, fiscally and otherwise.
I know this from experience.
As always: Keep your head up, your attitude positive and keep moving forward!