First - thank you for all of the supportive comments on my last post. You are right, of course. I just need to convince my subconscious. Last night I actually dreamt about comparing my life to that of an acquaintance who lives an extravagant traveling lifestyle.
I'm still going strong on not spending on eating out. I planned to buy dinner out last weekend, but my friend grabbed the bill and refused to let me pay! So it has been 27 days without buying any food/drinks other than groceries. I really wanted to order Thai food last night but resisted.
That cold that I was so excited about improving quickly morphed into a sinus infection. I'm taking antibiotics now but I'm still pretty miserable today. I feel like I could sleep for a week.
I did some savings calculations today. Once my raise kicks in, I should be able to throw $500 a month into my emergency fund. That should bring me to my $5000 goal by August. If I continue to save $500 a month, I should have a $5000 car downpayment by next June. This assumes I can continue my current level of frugality and there are no financial crises between now and then.
I may still take the homeownership class in April - we'll see.
27 days
March 20th, 2017 at 08:57 pm
March 20th, 2017 at 10:54 pm 1490050489
Glad you feel you might be able to focus on the house again. Do you keep a personal net worth statement listing assets and liabilities where assets - liabilities = net worth). That's really what matters (and what will help your personal financial situation improve once you do buy a house, presuming you don't buy too much for your earnings). Keeping spending in check is really just a means to get to a better net worth--that's the prize to keep your eyes on.
Congrats on the raise!
March 22nd, 2017 at 11:11 pm 1490224281
March 23rd, 2017 at 01:56 pm 1490277418
Thanks rob62521! Agreed.
March 25th, 2017 at 02:49 am 1490410188