FML. That’s my thoughts early this morning. As I was reviewing my budget planner for the last six months, I was shocked st how much money I was just throwing away (I’ll post a pic of my final budget review tomorrow). I was literally floored at how much I spent on groceries, eating out and miscellaneous things, in just six months!! This scone half of the year, I have got to do better.
Due to all this frivolous spending, despite saving as much as I did, I ended up having to take out a small personal loan yesterday. Unfortunately, financially I will not make it through until school starts in August. I’ve revisited my budget again and again and unless I find a teaching position before August, I’ll literally have $0 in the bank. That means no rent money nor car payment.
I’m so pissed at myself for that too. I just paid off my last credit card and only had my student loans and car note debts left. I’m hoping that I won’t need to use the loan, but I’m thinking that may be out of the question. I really beating myself up about this but hey, things happen.
My next goal over the next six months is to save 6 months worth so that I don’t have to experience this again. Luckily, I was able to push paying my student loans until December, but depending on how things go, they may have to get pushed further.
I’m really going to buckle down this second half of the year. I’ll explain in detail in a later post.