I have this spreadsheet. When we get really low on money, I sit down and fill it all in. The spreadsheet would nauseate most people, but I love it. (Except when it causes a panic attack. Then I hate it.)
My spreadsheet projects all our income and expenses for the next 6 months. When we spend money, I enter it in and see how it will affect the balance 6 months down the road. I can see what times of the month it will dip into the negative and adjust accordingly to always keep our account in the positive. So even though it may look like we can afford to go out to dinner this week, that dinner may put us in the negative 3 months down the road. Trust me--I'll know.
We've gone through periods like this before, and it always sucks. While I actually welcome the challenge to be frugal (it's a character trait I'd love to master sometime before I die...), what really sucks is having to constantly tell people you can't afford it.
"I'd love to sign up for that fitness class with you, but it's not in the budget."
"Yes, those pants would look awesome, and they are on sale, but they are still not in the budget."
"We would love to join you for dinner, but it's just not in the budget."
So if I tell you that we don't have enough money for something, please don't think I'm asking for your pity. I'm just being honest. We knew that having Christian work (and consequently paying a babysitter to watch both our boys) would be a huge drain on our finances, but we also knew that the only way to get him to a job that could support us all was to make that sacrifice and pay our dues (quite literally).
{Dear thieves: Our savings have run out and we are broke. Don't even bother with us. We're not worth your time.}
I've never been a huge shopper. I don't drool over upcoming Nordstrom sales. I don't have a million pair of shoes. We don't belong to a gym. We aren't foodies who spend a ton of money at restaurants or on gourmet cooking ingredients. I'd say the two things I most enjoy spending money on are (1) travel and (2) races. {Correction: I hate paying the race fees, but I love running the races.} It's easy to cut out travel since the $$ adds up fast on any vacation, but races are my goals--my motivation to work out. I'm going through withdrawals, because my last race was in September and I have nothing on the calendar for all of 2012. It's depressing.
However, it is tax season. And that normally means we get a good chunk of money back.
I've said it before, and I'll say it again--I don't care if I'm paying the federal government too much money and they are earning interest on it until I get it back when I file my taxes. Trust me--if it had been in my hands, I would have spent it on that fitness class, bought those pants, and gone out to dinner. Then taken a weekend in Tahoe and signed up for a couple races. No, I welcome the forced savings account, especially when we're broke and working hard to make ends meet.
So I'm chomping at the bit to do our taxes. We'll put a chunk in savings, bulk up our bank accounts so I can take my eye off my
blasted beloved spreadsheet for a while, and then I'm signing up for this...
I've been wanting to run this race for years, and my wonderful friend Erica is on board with me this year. So I've decided that this is my treat this year.
This is my splurge. It's $80/person.
Who's with me? Who wants in??