In my last post, I talked about how I was going all in and really going to make April awesome as far as budgeting goes. I was going to end the month with over $500 and things were going to be amazing. Yeah, that didn't happen. I ended it with $110 in the bank. Now that is good but I did have to put off one bill until today because I didn't have the money. And I'm depressed because I don't have any money. I gave all my money a job and now have nothing left. That is sad.
I'm wondering how to change this mindset. I have money set aside for things that will be coming up, so that's all good. But how do I lose this feeling of having no money? Is it because I know where every dollar has to go and therefore I can't just blow it? I've done that often enough and I don't like that feeling so I guess I should be happy. But I feel like I'm broke because there isn't any money just sitting there waiting for me to blow it. I guess that is truly what they mean by YNAB broke.
The good news is that we have refinanced yet again and that will be closing in a couple of days. That means that no mortgage payment next month. I want to use that to get ahead a little bit. I want to get some things funded - like auto insurance - and then try to get ahead a little. Get the bills paid before they are due and have money to budget into next month.
I guess I see now how things can be and I'm just anxious to get there. I will have the mortgage payment to play with and I should be getting my tax return so I'll have that also. That will be about $2600 to use to get ahead. I'm really looking forward to that.
I never was a patient person......
Thursday, April 25, 2019
Subscribe to:
Posts (Atom)
Changing the mindset
So the hardest part of this whole YNAB thing is changing the mindset. I've mentioned this before but it's really coming up in the la...
-
There is a term in the YNAB community - WAM. It loosely stands for whack a mole, but really means that when unexpected expenses pop up yo...
-
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 wit...
-
Continuing yesterday's theme... I cut my Sprint bill by $30 but I will have to pay about $10 for Hulu, so really only cut it by $20....