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I thought I was doing so well. I had one big expense this paycheck (the $370 plane ticket for my mom’s birthday) and other than that, I kind of feel like I don’t really know where it all went. I think more is being taken out for my benefits than I had planned on, and maybe I got a little overzealous with making debt payments (in the last week, I’ve put almost $400 to either dental bills or student loans). I also had some annual expenses come up – domain renewal at $83.40, and my monthly gym membership of $78 hit. When I look at it like that and see an almost $600 outflow, my current (scary!) balance makes sense.

It’s just so funny – after about a year of living in a financial comfort zone, I now have what I would have considered in college to be a lot of money in my checking – and now I’m sweating bullets, nervous about what expenses will come up over the next 7 days (I don’t have any credit cards!) Now I’m having to plan ahead and really know when my autopays are scheduled – my phone bill is due next Tuesday at around $60, and that should be it until Friday. How am I going to make it?

I’ve had a longstanding date for after work tonight, celebrating my birthday with co-workers. I plan to spend no more than $20 and pay in cash. Tomorrow I have some errands that I don’t anticipate costing more than $20, that I will again probably pay in cash for. I also work in the morning, so that will occupy me, and I have a lot to get done at home (more time away from the wallet.) Sunday I work again, almost all day/night, so I’ll eat work catering, ¬†(I also typically grab an extra plate to have for lunch the next day :)) and throughout the week, I’ll have two more work-provided meals. I do still have some free offers leftover from my birthday last month (free sandwiches, pizza, etc) for the inevitable nights where I’m too whipped to even microwave ramen.¬†Otherwise, I’ll be eating my stockpile of yogurt, cereal, and vat of homemade spaghetti roomie made for dinner last night. (Another reason why I think you need a stockpile even if you have no fear of losing your job – the same thing might happen to you!)

Have you ever misjudged your cashflow? How did you deal?

February 8, 2013
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