While this is true for many, if not most, things in life, it is especially true for me trying to get financially right. I started off with, I'm going to pay $800 a month towards my debt and get out of debt in 16 months. Then it became, I'm going to pay $100 a month and not create any more debt and get out of debt in 2 years. Now it's like, I'm just trying to keep my head above water here......
It's been a rough couple of months since I started YNAB and while I know it's not YNAB's fault, I can't help but wonder what it would be like if I hadn't started YNAB. So let's recap:
December - started YNAB mid-December with the goal of paying off all debt in about 16 months
January - went well with YNAB, realized that debt payment was too aggressive and needed to scale it back a bit.
February - the wheels came off the bus. I overspent significantly and spent the rest of the month trying to recover.
March - some bills came due that while not unexpected, I didn't really have the money to cover and now we are really, really tight.
This experience can't help but make me wonder a couple of things. First, are we living beyond our means? Do we need to scale back in some areas, somehow? Second, is my spending that out of control that I throw the budget out of whack every month? Third, when will I get a true handle on our budget and have things covered as they need to be covered?
I was thinking about contacting Sprint and seeing if there is any way to cut our bill there. That bill is $225 a month. If I could get that below $200 I would be excited.
I just got off a chat with Sprint and was successful. I got my bill below $200 so that's all good. I now have to pay for Hulu again, but I'm good with that. I also just changed my Sling subscription since football is over there is no need for the Sports Extra package anymore. So I'm down about $50 a month so far. Yay me.
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