The B Word

The B Word. It is very hard to say and embarrassing to talk about but it will be coming up a lot so I better get used to saying it---BUDGET! ppffewww. I said it. I just did my expenses for the past two months and it is not pretty. I am consistently spending more than I make. How is this possible? I really have no idea. After necessities like rent, prescriptions and school loans, I am left with about $1,000 to spend. And I am spending wayyyy more than that. I am so bummed and discouraged. I feel like I am very strict on what I spend my money on but it appears that I am failing. I can see that spending money on groceries, dog nail trimmings, dog food, dog vet bills, medical co-pays, make up & beauty products, gifts for birthdays, weddings, engagements, coffee breaks with friends, and grabbing lunch with co-workers can quickly add up but my paperwork is telling me that I need to really limit myself. I feel like I will have to live off of ramen noodles and tap water in order to break even. I need to be saving money but how is that possible?

Wow is all I can say. I am very discouraged. I am glad that I will be starting a new job on Monday that pays a bit more. Not to mention the fact that my work will now reflect in my pay check because if I do well, I will get bonuses and commission. Hopefully I will learn soon enough to put those straight into my ING account and forget about it.

I will be sure to let you in on some cost saving tips as I explore in the month of November.