Friday, February 13, 2009
Be Careful What You Say...
...You may live to eat your words.
No sooner did I post & rejoice in my January $aving$ Total then some unexpected/large/forgotten BILLS started popping up in February's budget.
On Monday, I remembered that I have a large CREDIT CARD bill coming due at the end of February. Yes, we have a credit card. No, we do not run a balance on it, it is paid off each month. It's used mainly as a tool to keep a record of expenses and the Gift Card Rewards we earn are an extra bonus. I had forgotten that along with the usual expenses we put on it each month, we ordered new KITCHEN COUNTER TOPS and the store charged us for them a couple of weeks ago. Yuck!
On Tuesday, the CAR INSURANCE bill arrived.
On Wednesday, we picked up my car from the AUTO REPAIR Shop, along with a bill for a tune up/oil & fluids change AND an unexpected repair that totaled almost $800.
On Thursday, the LOCAL & COUNTY TAX bill for 2009 arrived. Ok, that's not due until April 1 but psychologically, getting it when I did, it was disheartening.
I am dreading going to the mailbox today!
A quick calculation of this month's expenses and estimating expenses not billed/paid yet for Feb. and we are going to be SHORT about $250 on February's income.
I did just sell a bunch of old toys to a guy over in Europe, so after eBay/Paypal fees, that eat it from the ass in, that will be another $175 toward the shortfall. Between the rolled change I can scrounge around the house and coming up with a little bit more eBay cash before the 28th, I will probably be able to just squeak February out without having to dip into the January $aving$!
So the February $aving$ Total may be a big 'ol $0.00.
But ya know what? I am NOT stressing out over the extra money spent this month because I HAVE that nice lump of CASH saved from January that I can dip into if I have to.
Having a cushion of Money in the Bank makes for a Serene Slug.