money blues
| I've got the money blues right now. I just received my annual bonus at work, but most of it is already spent. Mr. Savvy has been off work a few weeks due to weather (it has been insanely cold and snowy here), and I've been working part-time since January and haven't had a full paycheck since December. Most of January and part of February were very part time, some weeks working as little as 12 hours, but I'm phasing back into full time at the beginning of April. Despite Mr. Savvy staying home with Baby Savvy, we still have to pay for daycare, per our contract, or we lose our spot. So that's another expense on our already feeble income. It is nice to have the munchkin home with a parent though, so I can't be too down about that. We've also just been spending way too much money. Lots of incidentals, lots of fun things, lots of convenience items. We've definitely done our share to keep the economy going. However, starting today I'm going to work very hard to stop spending on unnecessary things. I'm going back to the old Savvy Saver bad habit buster of doing a Saving Spree for the remainder of February and all of March. No new clothes, no eating out, no new gadgets or incidentals... no shopping. Period. I can't be too bummed though, as I've maintained our 401(k) contributions and Roth IRA contributions, and I'm still putting $250/month in Baby Savvy's 529 plan. It just would have been nice to have saved some of my bonus. I've also got quite a bit of insurance reimbursements coming (if Aetna ever gets their s* together, but I'm sure no one wants to hear about my ongoing insurance battles), and hopefully we will get a tax refund. |

Comments on "money blues"
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Stupid PF Tricks said ... (4:20 PM) :
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tracyho said ... (4:48 AM) :
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J. Savings said ... (9:05 PM) :
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Zan said ... (10:30 AM) :
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Russ said ... (10:37 PM) :
post a commentDear Savvy:
Let's say you earn minimum wage, have student loan debt, and halve high medical expenses.
How do you then live below your means?
Great to read it ,
Good luck ,
tracy ho
wisdomgettingloaded
It's all good Mr. savvy, you're still rockin' it and investing EVEN when times aren't perfect!
and even better? you got mad fans reading your blog daily and feeling like it's okay to have the money blues every now and then.
keep doing your thing :)
stupid pf tricks:
You do the best you can.
So mom in law is the day care provider but she makes you go when you don't need to or you lose your spot? Seems kinda lame.