We’re officially about halfway through the month, so why not a little update? If you missed my initial post on this goal, please go here. The nutshell: live off of what I was making three years ago.
So how is it going? Not well. Since this is a public site, I don’t want to go too in detail about money and income. It takes away some of the impact, but it makes me feel a little more at ease. I haven’t talked to many people about this plan, but my boyfriend didn’t think it was going to work. He was right, as he so often is.
The problem so far? Things that are not 2009-friendly: Gas was cheaper, I didn’t have prescriptions to buy or specialists/physical therapists to see, etc. I didn’t even include some of my now-normal expenses into this budget. I also have to admit that I got pretty discouraged part of the way through and probably didn’t include everything in my spending that I should have. This is where I need to get better at tracking things.
The next couple of weeks will be the real test. As rent is the biggest bill and that will have been paid, the second two weeks of the month will have slightly more money. If I was living this budget month to month, this extra cash could be used in the first two weeks of the next month to balance out spending. I’m going to see if I can spend less to make up for the more already spent, if that makes sense. So maybe overall for the month, I can come down to even. Let’s hope!
I’m hoping I have also figured out a way to simplify things. I was actually working off of two separate budgets in YNAB, but I have since transferred it all to one budget and just adjusted things around so that my 2009 allowances are factored into the appropriate categories. I know, I know. I really made it way more difficult than I needed it to be. And, of course, I am kind of geeking out about my budget since I just took one of the YNAB classes and found it really helpful. I have actually completely revamped how I was doing things and feel like I’m on a better path overall.
Next two weeks, here I come!