beks37

I overspent on my last paycheck causing my checking account to go negative and overdraft protection had to kick in and transfer $21.00 that included the $8.00 fee. I was so mad! I figured out the reason I was overspending was because I don't have any goals or limits on spending. I guess I was just used to spending whatever and I'd always have the money.

I am starting with December with 3 goals to see if this is doable.

1) $260.00 to savings. I will transfer $130.00 ...

Here's my budget. I had to get all my expenses in order before I could post a budget. But, without further ado...

Income:
Paycheck: $2,574.00

Expenses:
Car Payment: $371.67
Mortgage: $585.71
Cable/Internet: $126.11
Life Insurance: $204.58
Car Insurance: $62.60
YMCA: $29.07
Cell Phone: $70.00 (this is an estimate, I just switched to my own cell phone plan)
Gas: $61.04
Electricity: $76.00
...

I have been very scared to try to make a meal, freeze all but 2-3 portions and then eat it later. I don't know why, but I thought I might do something wrong, it might not taste good, I might let it sit in the freezer to long, etc, etc.

A couple of Saturdays ago I made a pan of 6 enchiladas. I froze 2 of them and ate the rest for various meals. Last night I took one of the frozen portions out of the freezer and put it into the fridge to thaw overnight. I took it to work today and ...

I like that saying....no fast food. I have been eating way too much of it lately. Also, I have drinking way too much pop. I need to cut myself off of that too. I bought those cute little 8 oz cans of Pepsi because they are the perfect size to mix with my Captain....but the problem now is that I'm just drinking them! I'm not using them for their intended purpose, and instead I'm drinking them like water. Eek! That needs to stop.

I did notice that this month I'll have 3 paychecks! ...

My dh and I are splitting up. Without going into too much detail...it was time. I need to be happy and I wasn't happy. Now, I'm trying to settle into a life of being single (for now). It is an adjustment in all areas of life. I know that I need to work on some areas of my life.

1) Budgeting. I sat down and balanced the checkbook last night and made a new budget, at least for the bills. I haven't decided on how much I want to spend on Groceries, Eating Out and Entertainment. ...