I pulled my bootstraps up this morning as the old saying goes. I put on my big girl britches while I was at it.
Budgets are so hard for me because I get so dang confused. I know. I must be a moron. Like what is so hard? Here is your income, here are your expenses. That’s it. But trust me, its hard. Look where I got myself financially, its pretty obvious I have a toxic relationship with money and budgets right?
I have gotten better. How many people can make it with a $500.00 credit limit these days? (Just trying to make myself feel better here.)
I was going to try to use YNAB and I did for a second, but I am not going to pay for a budget. Not happening. That is insane. It’s like buying garage sale signs for $5.00 to sell crap for .25 cents. Some things just don’t make sense to me. I know, I’m weird
This morning I sat down at my desk to accomplish two things.
First to look at what I have in place to do 2015 taxes. That was a big fat nothing. I don’t have any of the forms from interest or work, so that can just wait. Kind of glad.
Second I needed to find a budget that I can actually do.
(Notice my loyal baby, Gracie behind my computer. I have to shake off the tablecloth before I can even get started, she has claimed my desk as her “basking space.” I really don’t mind sharing except for the cat hair.)
I dug around and finally found a very old budget that I used to use. It was hidden in Gmail from 2011. I saved it on my desktop and entered the current numbers and budget.
It’s not a pretty site. Before my next check in two weeks, I am already $2500 in the hole. Okay, don’t worry, its on paper and I did it that way to ensure that in a month or so I want to be one month ahead of the game.
This is it. NO more messing around. I also printed a spending tracking sheet I found online. There are millions available for free.
And I am already half way into January’s food budget! OMGosh, how did that happen? Because I’m a total moron when it comes to budget and everything that could hit me in the last few months did. Flooring, car repair, Christmas, etc. The list has been endless.
It’s been a tough year. I ain’t lying. I’ve been spending a little more than I should. I mean, I can’t spend too much obviously, because I don’t have much, but I can and will do a lot better.
This is the year that I get one month ahead of my bills. I should have a little in the bank at the end of the year in case my taxes kill me. OMG, what if I owe again 2015 OMGosh!!!! UGh!!!!!! Thank God 2016 is the last year to worry about that drama.
I wrote something down that resonated with me. I don’t know where I read it, but here it is.
“Money should never be the problem, only the solution.” I couldn’t agree more.
I am off to clean my condo. Today is a no spend day and it should remain that way until the end of the week.
What are your plans this year? How do you handle a budget? Are you good at it?