Areas where I was successful over the past few months:
- I paid off my car! My goal was to get it paid off by the end of the summer (before I have to start paying aftercare again) and I did it!
- Our bills, again, were pretty consistent and reasonable. I expect some of them to go down further for the summer – natural gas, electricity, gas for the car, tolls… No heat, no commute to/from school!
- I bought a couple new summery dresses and a pair of sandals, because my wardrobe was looking a little scanty recently. Why is this good news? Because I purchased second-hand items – better for the environment, better for my wallet!
Areas where I could have improved:
- We spent way too much money eating out. It’s one of the few luxuries we have, and I’m loathe to rein it in, but we really do need to cut back. The end of swim lessons will put a stop to eating at the Holy Donut every week, which is sad for my tastebuds but good for my budget.
- I tipsily bought a handful of new enamel pins. They’re fun! They were on sale! Excuses.
Areas I spent more than expected, but mindfully:
- I bought a folding stationary bike. I consider it money well spent, since it’s exceedingly hard for me to leave my house, without kids, to work out and I really need to invest in my health!
- I paid for part of my trip to Rhinebeck in October. Could I not go and just save that money? Sure. Do I really need to get a way once in a while? Absolutely.
- I spent a small amount of money on embroidery and cross stitch supplies. It’s my “summer craft” – portable, inexpensive, and not woolly! It does wonders for my mental health. Stitching in the hammock is pure joy.
All in all, not too bad. Now that my car is paid off, I’ve upped my retirement contribution and I’ll start saving money while I have it to save, because my financial situation in the fall will be very different, unfortunately!