TOP 10 TUESDAY!
After vacay I was looking at our finances and this list popped in my head. Ryan and I have always struggled with being conservative with our money when it comes to enjoying our weekends. We don’t buy expensive clothes or jewelry, but we do like to hit the road at 4pm on most Friday’s. And that takes its toll on our savings account, or lack of.
So I came up with this list of all the things that stand in our way…
We can write that off! This will actually save us money! Every camper has this but us! We will tighten up our budget after I buy this new camera I promise! 🤥
Dishwasher breaks down, plumbing backs up in every bathtub and sink, the heater goes out on our car in the dead of winter, or the door falls off the fridge because one of your toddlers likes to hang from it.😳
Whether it is a repair emergency or family medical emergency their stressful! The last thing I worry about when dealing with an emergency is money. In fact money seems to be the one thing that helps ease the stress of all emergencies.
Like last summer when Rio our Yorkie got sick, we spent a fortune at the Animal Hospital.
Lately we’ve been very fortunate with family emergencies but you just never know when the next one will strike.
This comes back to how I was raised. My parents always have lived for today, incase something happens tomorrow for whatever reason, we may not all be together. My parents have always made the best of our time with each other. So I’ve learned to place a higher value on family memories than say my savings account.🤫
I try to be as accurate as I can when I make up our monthly budget. Occasionally, though I will forget to write in a check or a debit transaction doesn’t go through for a few days and I forget about it.
My target card always seems to get me since it goes in a few days after the purchase date. Does this happen to anyone else with a Target debit or is it just me?
Business Is Slow.
It is hard to tighten up your budget when our income fluctuates as often as ours. Our biggest change in income is children leaving for Kindergarten or if a large family moves away in the winter. It’s hard to fill mid school year.
Not Tracking Expenses Correctly.
We have tried to go over our past bank statements so we know what we accurately spend on food, gas and entertainment. When Ryan and I first did this and realized how often we were eating out… gulp. 😲
Sometimes when we are shopping for something if we can just walk away and get a cup of coffee, the impulse to buy it will lesson and we will pass on the purchase.🤑
If you have a large family then you know how hard this one is on the finances. We have a few months of the year that are extra busy for us for spending. Like this month for example. We have 3 kids’ birthdays, a holiday, and a vacation every year. 🎂
This is a camping blog, after all, so I can justify overspending on camping right? 🧐We do tend to overspend in the summer months because we know that summer will be over before we know it and we want to make the most of it!
This summer vacation’s budget was much better than last year. Sometimes after a big holiday or trip we will have maxed our credit cards or we’ve come home with no money in the bank. But we did pretty good this trip…
What about you? Are you good with your spending habits? What are your weaknesses with spending? Have a great Tuesday!
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