eye opening

I have started my climb back up to the land of budgets and frugalness. I have Bank of America and even though at times I hate them, they provide some good products that I utilize or at times hide from.  One of them is a budget and expense tracker, this really works and helps me to see where my money is disappearing to.

I pretty much use my debit card for everything that I purchase, hardly ever having cash at hand. So this weekend I set out on the scary task of allocating all my transactions to their correct bucket of expenses…. entertainment, utility bills, restaurants/dining, entertainment, clothing, credit cards…. blah blah blah. You get the point. So, very eye opening. It made me see how far off my budget I have drifted and how to find that course of spending less on crap and saving more for the things I always feel I don’t have money for. Including just putting money into savings period.

I have also been trying to find a good AP to use to help me save my receipts in my phone and alert me when certain budgets are close to being exceeded and such.

My biggest thing that I need to get back to is, bringing my lunch to work. I wasn’t cooking as much so I didn’t have left overs to bring in… but that is changing… lots of money spent on lunch every day… way too much spent on lunch everyday. I been spending on the low side… $150 a month just on lunch! which is crazy, especially for a while I spent maybe $40 bucks a month. I could do a lot of stuff with that extra $100 bucks in my pocket.

 

Well, I’m not going to go in detail of every place I have been over spending but I will let you know how this next few weeks turns out!.

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