Coming down to the wire
We’re here at the end of the month, and I’m just doing a quick assessment of how we fared with regards to the overall budget.
My wife doesn’t care much for carrying around cash, so I tried to keep up with expenditures online using the debit card. Bottom line is, after a few extra trips to one of our favorite sports bars and some other house related purchases, we spent about $500 more than what I budgeted.
The lesson is this. If our debt reduction plan is going to work over the long haul, then we need to be even more disciplined. I don’t like coming to the end of the month with virtually no cushion in our checking account!
My wife doesn’t care much for carrying around cash, so I tried to keep up with expenditures online using the debit card. Bottom line is, after a few extra trips to one of our favorite sports bars and some other house related purchases, we spent about $500 more than what I budgeted.
The lesson is this. If our debt reduction plan is going to work over the long haul, then we need to be even more disciplined. I don’t like coming to the end of the month with virtually no cushion in our checking account!
Ugh...I hear you...it has taken a few months of this same scenario for my husband to be convinced that we spend less using cash. Plain and simple. We now use cash for evertthing household related/eating out/clothes. The only thing we still debit is the gas due to the convenience of swiping a card at the pump :) Hopefully you can convince her to get use to carring cash :)