It’s October 2, so it’s time for the recap of September’s budget.
Everything went as expected. I went over in my discretionary spending a bit ($63.32 to be exact), but I’m letting it slide since I was on vacation the end of the month. Acadia/Bar Harbor for the win!!
Here’s a snapshot of my discretionary spending:
October will be the first month I’m getting to take advantage of a bit of my raise. Because remember: I always live on last month’s income. I got my raise half way through September, so this month, October, I’m living on one “old” paycheck, and one “new” paycheck. Come November, I’ll be living on October’s income, so it will be the first month I get to live on 2 “new” paychecks. Woot!! I’ll re-post my official budget categories and numbers the beginning of November.
This month, taking my new raise and last month’s discretionary spending deficit, I’ll be starting with a “cushion” of $253. This is above and beyond my rent, phone bill, Netflix, Audible, etc. It needs to cover gas, and anything beyond my normal day to day groceries and maybe a small meal out. I’m going yarn shopping today with a friend, so it might take a hit pretty early on!
Once I’m living on my full “new” paycheck (i.e. November), I’ll have a discretionary “cushion” of about $400. Part of me thinks that’s a huge number, and part of me is like “oh shit”. The oh shit comes in because really, I can’t go over that. Because this is going to be my income for the foreseeable future. I’m not just holding on until something better comes along. This is my something better. Which means I can’t be dipping into my savings accounts for stuff willy nilly. In fact, I need to now be building my savings account back up. Because right now I only have $2800 in my checking account. And (coincidentally) the same amount in my savings account. That’s no very much. I obviously have much more in my long term savings accounts and retirement accounts, but that doesn’t really count. So, here’s to playing it safe and keeping an eye on the money!