To say we mismanaged our budget this month would be a gross understatement. We didn’t just mismanage–we left Mr. Budget at home in a dusty box in the corner while Mr and Mrs Credit Card accompanied us everywhere we went and said nice things like “You deserve this” and “You’ve worked hard ” and pretty soon, we forgot all about Mr. Budget.
Basically, we get a big fat F this month. In red marker. With three exclamation marks. Yes, it is that bad.
The only reason I can explain our lack of budget this month is by thinking about it like a diet. You know how when you’re on a diet, you always do the best Monday, Tuesday, Wednesday? But then Thursday rolls around and you’re like “well, the weekend is almost here…” and then Friday comes, and you’re like “Oh it’s Friday! A glass of wine, or 2 or 4, won’t kill my weight loss!” And then Saturday comes, and then you might as well start over on Monday?
Well, I think that’s what happened to our budget.
We were like “oh…well, it’s almost the holidays and our budget is going to go crazy anyway, might as well get started early!” I don’t know how to explain ourselves…we had a few heavy expenses, but we budgeted for those. It was all those extra things that just kinda slipped through our fingers…And my idea of Christmas shopping involves one present for you, one present for me, one present for her, one present for me, one present for him, one present for me….see how it is???
Stop it! I see your condescending eyes on me through this computer screen! I know what you’re thinking…you’re looking at us like we’re recovering crack addicts that have fallen off the wagon. SO let me explain.
In December, we are expecting a $1500 freelance check. This check, we both agreed, would cover that brand new TV we’ve been wanting and Christmas presents. There was an incredible deal on a TV so we snatched it, even though we still don’t have that check. So how did we get the money? Mr. and Mrs. Credit Cards. But no biggie, we’re going to pay it off as soon we get the check, right?
Moving on. Then I found out that I got a new job! While I don’t like to talk about work much, let’s just say that besides getting married, this is probably the best thing that has happened to me this past year. So of course I had to celebrate, right? So I did what any other responsible 26-year-old who just got a new job would do…I called in sick the next day and Eric and I went to Disneyland!
Was Disneyland in the budget? Of course not. But I had a free ticket, and we only had to pay for Eric’s…and at $76 this was still a steal! Right?
The point is, between the second and third week of November, our budget was pretty much shot. We overspent on everything, we denied ourselves nothing. We were like two horny nuns in a strip club–we knew it was wrong, but we couldn’t say no.
Food budget? Overspent. Eric’s lunch budget? Overspent. Extras? Overspent by more than double.
The good news…and yes, there is GOOD news, is that our credit cards are still in the running to be at $1500 by the end of this month. And Eric and I have a pact going to keep each other on track.
The bad news is we’re going to have to cut back on other things to pay for those presents. Although we don’t have any lavish holiday parties to attend, and a lot of our entertainment planned for this month will be free, so that should help us out. Eric has picked up three extra shifts at work, so that helps too. However, I start the new job on the 13th, and my first full paycheck won’t be till January 8. Gulp.
We shall see… We did bad last month, but all we can do is start the diet over and do our best this month. Considering how Nazi-like I got beforehand whenever we’d screw up our budget (which just seems to be a recoccuring theme with us) I’m not too upset about anything. It’s CHRISTMAS! How CAN you be upset? And I got a new job!!! And did I mention it’s Christmas?!?!!?