So can I confess?
First month in new job – totally STELLAR!!!!
First month on “new budget” TOTALLY SUCKED AT IT!!!
My challenge is that I am now based at home .. making a conscious effort to go out and walk with my pal at lunchtime …. and stop off in my “supermarket of choice” to buy his lunch before depositing him at his office again.
Now – on the plus side .. completing smashing my step target – but also completely smashing my monthly budget. Too many “I’ll just have …. ” slipping into my bag.
Time to “Haud the Horses!”
Back to basics and a monthly challenge for myself – back on a cash only basis for any spending and recording every penny in and out of my purse so that I can get a real handle on where the money is frittering away to
DEPRESSING – cos I should know better and I have been here before … so to cheer myself up I made myself a cheery little Weekly Cashflow sheet that I can fill in … and cos misery loves company I thought I’d upload this for you guys too in case you want to play along.
If you are in for the whole month – then print out five … May is looooooong month!
Fill in your date and you are off.
Record and money that is in your purse as your starting balance and then any money you withdraw from the hole in the wall to sit as cash you need to record in the “Money In” column.
When you spend .. its in the “Money Out” column and then come the end of the week you can figure out your closing balance. A month of this and I will be very sure where the money is leaking away to.
This might just reveal that I have a grape and banana habit that I can’t afford .. or it may just reveal something else!
Who is going to play along??