I’m sure anyone who subscribes to this blog has already figured out that since I haven’t posted since January, I’m probably failing at just about every single goal I’ve set out for myself for the year. You’d be correct to assume that. Because I’ll be 100% honest, things have definitely been better. I have a whole boatload of excuses that I’ll share with you all, but none of this really matters. What really matters is that frugality has to be more important in my life now, because I’ve gotten myself into more dangerous territory savings-wise. It’s really not a great feeling. So let’s rundown on the Great May 2018 Update, shall we?
The Biggest News: The Move
So, one of my goals for 2018 was to move in with my best friend when our lease is up and save money. And I can almost check this one off, because our move day is in 4 days! Here’s the details on the house:
- Pro: It’s 5 minutes away from my son’s preschool, so much less commuting time!
- Pro: It saves me a whopping $600/month in rent
- Pro: It’s a beautiful home with an incredible backyard
- Pro?: We signed a 2 year lease to trap us in for awhile so that our wanderlust doesn’t set in next year
- Con: It’s bigger than we were hoping (almost 3000 square feet) so I’m worried about the utility costs
The biggest downside of this is that moving is fucking expensive. It’s expensive even if you’re a super frugal person, which I failed to do. I paid for movers, because I can’t be hauling things myself with a shoddy back, a toddler, and a FT job. We also had to pay 2 weeks of overlap, which meant extra rent. Another deposit, which drained my savings account significantly. And I’ve completely racked up my credit card buying shit for it. Some of it was stuff we needed (like a new dining table and a twin bed for my son) but other stuff was not (like the 70″ TV from Best Buy + mounting service + sound bar + shelving). Then there was also utility deposits, new renters insurance, dog deposit, and all sorts of other expenses.
That backyard tho
The end result of all this is that I’m almost $7,000 in credit card debt now. The credit card that I paid off to $0 with my tax returns. Fuck. This is no good. I’m hoping to pay some of this back with my Employee Stock Purchase Plan that I sell in August, and then the remainder should be taken care of with my annual bonus at the end of the year. But the biggest thing will be diligently budgeting again so that I don’t add anything more to my credit card. This shit has to stop before it becomes a freight train.
This section goes without saying. Since I’m using my credit card for non-budgeted purchases, I’ve failed hard at YNABing. My YNAB account is pretty messed up too, as my balances are off. I’m going to have to do a fresh start again I think, which is a bit of a bummer. I’m pretty disappointed in myself because I’ve gone wildly off-budget and it’s going to take me months to recover from the damage of it all. Sigh.
Food-wise, I came in at $835 last month which was actually pretty low for me (especially compared to the $1150 in March….). I’m still ashamed of this number and I know I can do better. I just need to stop with the restaurants on the weekends. I also need to ban myself from going to Target for 6 months straight.
When I last posted I said that my goal was to stay strict keto for 6 months. Well, that failed. I lasted like 6 weeks and then bombed. I ended up losing 12 pounds and gaining it back. However, the good news it that I started keto again a month ago and I’m down those 12 pounds again. So I’m at my lowest weight of 2018 right now and that’s not a bad place to be at all. I feel happy that at least something is going well, even though everything else has gone to shambles.
My Biggest Priorities for June
June has to be radically different than the last few months have been. Here’s my plan:
- Stick to cooking at home for the vast majority of my meals, and try to reduce eating out
- Ignore the siren call of spending for things on my new house unless they’re budgeted for
- Any saved money needs to go back onto my credit card immediately (in fact, that $600 in rent savings goes on it automatically)
- Figure out how to mow my own lawn and take care of our landscaping so we can save $70+ a month in gardening fees
Here goes nothing.