When it rains, it pours.
No, not the rain – I am referring to my spending pattern 🙂
This past week was a relatively high spending week.
Let me explain:
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Weekly allowance: $120
Expenses related to the weekly allowance (grocery, breakfast/coffee at the cafe, cab rides- if ever, and other little miscellaneous expenses): $87
Fun funds saved this week: $120 – $87 = $33
Fun funds expenses: $0
Total fun funds accumulated so far in 2017: $597.5 (dance with me here! Wohoo 🙂 )
Other expenses: $111 (social/dinner)
Savings from would-be-expenses: $46.5 (these are the savings from expenses that I would normally make, but decided not to; such as walking rather than taking the bus, having breakfast at home rather than the local cafe etc.)
Notes: it is interesting that sometimes spending money feels right. For example, on Tuesday morning I took the cab to office for the first time in 2017 (I usually would take the bus or even walk). It felt right and I am not resentful about its fee because I woke up at 6.45 am and by taking the cab I started my work-day at around 7.20 am. It was a very efficient day and I am very happy about this.
Also the dinner expense I have made (today) was well worth it. I took a couple out for a simple dinner tonite. They are very nice people, I enjoy spending time with them, and I have been to their home many times. It was my turn. Also, they just bought a house, which I wanted to celebrate! It was a great night with great people – so all is well 🙂
Mortgage pre-payment: I paid an additional $270 today as mortgage pre-payment 🙂 This is my third payment this year totaling $870. I am very excited about these payments and am motivated to save more from my regular expenses so that i can keep making these payments 🙂 🙂 🙂
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Pantry/freezer treasures enjoyed: rolled oats, flax seeds, soya beans, and green lentils from the pantry I love, love using the food at home! 🙂
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Happy budgeting and happy savings
Well, I think if you’ve been sacrificing for some time now in order to save money, a little expenditure once in a while wouldn’t hurt. I mean, if it makes you more efficient and productive, it’s not a loss, isn’t it? You’ve been doing your best in saving up, and I think you’ve done a good job. Taking the cab is justifiable, ‘coz it’s not an everyday luxury for you now (since you decided to save). I think, this saving journey of yours becomes a habit that spending becomes a deviation from your norm. Happy budgeting to you too! =)
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I think you got it right! saving is an habit and spending is a deviation! could not be described better 🙂
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yes! yes! I hope everyone practice that habit! 😊
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Wow! $870 extra so far in 2017!!
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absolutely 🙂 it could have been spend on grocery, breakfast out, lunch, cab.. but not I kept the money:)
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