Like I promised on the first, I do believe in the power of positive thinking, and I think despite some terrible things this month, my overall outlook on life and the things that I do and don’t have control over has definitely markedly improved. I am considerably happier with my life now and am starting to feel more assertive and confident in who I am, what I deserve, and what I want to accomplish.
- Have a balance of $1800 on my Discover Card
- Pay $250 of the $500 I owe my university
- Have $100 in my savings account
None of those things were accomplished. I ended up being a few hundred dollars short of income this month because my grandfather died (and I had to take off of work – I don’t get bereavement or sick days or anything) and because I got sick. I also ended up driving home a lot more this month because of my grandfather’s illness and because my family’s German foreign exchange student is leaving tomorrow 😦 More about my budget is below.
- Lose 13 lbs
- Log into MFP every day and log all exercise/food intake
- Do purposeful yoga at least 3x/wk and the Sun Saluation daily
I logged in every day for about the first week. I lost 2lbs? I gained 4 during the month and then lost those and the additional 2. I wish I would have done more yoga – I find it always really helps to center me, but keeping my wits was about all I accomplished 😛 Next month, however, bf seemed okay with the idea of going to a yoga class as a date (I love them, but I can’t do it regularly at $15/pop).
Finish the book of Matthew
- Read Millionaire Next Door
- Attend Stanford virtual finance classes
Write 15 blog posts (min)
HA! I did accomplish some things this month!!! I did finish the book of Matthew. It initially reminded me of a lot of leadership development books I had read, but then suddenly at the end (during the crucifixion and when the parables started becoming really heavy) it got…stressful? to read. And I wasn’t aware that the books after that are also telling this story. I will throw this out here that I was not raised in the church and have been going since February with bf and his family (Episcopalian). His mother gave me a Bible and we met with the deacon of the church. He suggested I read Matthew, Mark, Luke, and John. Honestly it was a little relieving to know there’s going to be more about the crucifixion. It seemed…like there should be more than 10 pages on that (not being flip). I did write the blog posts! I think 3/week is something I can comfortably keep up for now so that will become a standing goal. Meditating daily was something that tied with my goals of thinking positively. I did a lot of reflection and a lot of journaling this month, and it has really helped. I was able to confront a lot of things that were holding my relationship with bf back, and a lot of things that were just holding me back as a person.
I heard back from the job (didn’t get it 😦 ), applied for another that was filled before I got to it, and I’ve applied to a third I haven’t heard back from. The wedding I attended was a ton of fun! I ended up getting a dress for it at Marshall’s that I can also wear to work or church, so I’m pleased with it (natural waisted and teal). I also got a pair of nude pumps from Payless Shoe Store. They work with pretty much everything I own, because all other heels I owned were actually giant wedges or were 4” high, so I needed heels that were work appropriate etc. And this also works out because I have another wedding to attend in June! Multi-purpose dress! Rock of Ages was pretty cool! It’s the second broadway tour show I’ve seen (the other was Wicked in Edmonton).
So what about my budget?
This month wasn’t awful budget-wise, but with having to pay May’s rent, June’s rent, and a deposit this month, it made my “three paycheck month” actually not that great. In fact, since I got paid the 31st and will be using that money for June bills, I’m not including all that in here at all!
Total Income: $1226.40 + $98 transfer from savings & Total Spent: $1377.33 for net difference of -$52.93. That $52.93 would be from the interest + $24.96 that was $20 on gas and $4.96 on food all used on my Discover Card.
- Rent/Internet– $760 – May + deposit for the new house!
- Discover & Interest – $76.93 – $49 minimum + $27.93 in interest
- Electricity – $59.18 – This is actually a lot less than I thought it would be; however, I expect the one coming up to be higher
- Gas – $139.04 – I’m hoping this falls in June back down to under $100 because I’ll be going home a lot less and found a more efficient way to come back from work.
- Medicine – $26.87 – I’m hoping I get my insurance straightened out so this falls to like $3/mo.
- Food – $110.50 – This actually isn’t terrible for one person I suppose. It also includes eating out.
- Phone – $50.59 – This is standardized and auto-withdraws every month.
- Miscellaneous – $154.22 – About $60 of this is the wedding outfit + shoes + 2 birthday presents, $50 is Pop-A-Lock (I am so displeased about that y’all), and the rest was cat food, a new bra, and kitchen supplies (trashbags, paper towels, etc.)
I’m hitting the point to where I really need to increase my available cash, and the only ways I can really see doing that are if I decrease my spending or increase my income. After discussing my finances with others and looking at it on paper, the only way I could cut my spending is to do a complete spending fast…and to be honest it seems a little more doable if I could increase my income in some manner, so that’s going to be one of my big focuses for June.
I’d like to live as a poor man with lots of money. – Pablo Picasso