As most of you know, I am not good with money. It is, my Achilles' heel. I have worked to raise my awareness of this critical weakness of mine over the last five years and though progress is being made incrementally, it has also been inexorably slow going.
In August, we took a family vacation to California and I made the mistake of not constructing a vacation budget. I kind of kept my eye on our spending and we spent roughly 50% above what my vague ceiling was. Not good. Some would say stupid. Irresponsible, really, when you consider the fact that we are a single income family with two kids living paycheck-to-paycheck.
September was a blur. On top of the usual seasonal surge of expenses (signing up for classes/activities, sorting through, discarding and purchasing cooler weather clothes for the kids, back-to-school expenses for Cap), a virus put three of us down for the count.
By the time I came up for air in October, I knew we were in a spot of trouble. I very clearly realized that we were spending more than "we" were earning. Our "cushion" (which normally expands and contracts throughout the year because Cap's consulting earnings, which typically go straight into the savings account, are irregular) was not bouncing back to normal levels after the vacation expense debacle.
So, it's back to the drawing board.
• an immediate moratorium on buying books. (my intention is set for at least one year.) (most of you know this will not be a hardship for me. I own dozens of books I have not yet read and access to an incredible consortium of libraries.)
• we are attempting a zero sum budget until the next pay check (Friday). barring extraordinary circumstance(s) we are aiming to get through the week without dipping into our savings. meals are planned, a skeleton crew of groceries has been bought, time to hunker down yet stay loose (for creativity and positivity).
• time to track our spending again. for the month of November I am itemizing all spending, and going deeper than I have in the past. I am noting the cost of individual items on the grocery bill, for instance. this will help me to shop a little smarter: I can develop a cheat sheet at some point of staples to facilitate comparison shopping.
[tangent 1: I am grateful to see my process in play here, clearly. by tackling this lifelong Achilles' heel in steps, concretely, as well as in a spiral progression, what once felt sickeningly overwhelming now feels much more manageable. I can acknowledge that some people will read this post and wonder how/why it has taken me so long to get to where I am...and I am okay with that rather than stressed about it. progress on both the emotional and mental fronts rocks!]
[tangent 2: I've recently gleaned two organizational tips from cookbooks which I plan to implement. one involves making a kitchen inventory sheet for tracking shopping needs/spending. the other, which builds on the first, is a shopping list sheet which is organized by mapping the grocery store(s) you shop in, creating a most efficient "flow" for shopping/spending.]
• creating a budget for the next few months will be interesting because... November has Sag's birthday (gift and party) and Thanksgiving (special occasion dinner and travel). December has our anniversary (gifts) and Christmas (holiday cards/postage, gifts and travel). January has Cap's birthday (gift), my birthday (gift) and a family trip to Peru (travel). we are heading into the most overwhelmingly spendy time of year for the manatee household!
Call me crazy, but I am kind of enjoying this. For some reason, I feel not only up to the task of figuring some shit out, but I am looking forward to it.
Stay tuned.


