Instead of posting my weekly spending recap, I've decided to post my November budget to show you all how I did this month. I've been waiting all month to post my budget but towards the end, I wasn't feeling too happy about it due to all the end-of-the-month spending.
What really did me in was the GIFT budget. I obviously didn't save up the entire year like most PF bloggers, but I did manage to spread it across a couple paychecks. I still have 2 more gifts to buy but the heavy lifting has already been done (or should I say spending?). SO obviously that gift budget is skewing my spending for the month. I don't usually spend $887 monthly as I wish (though that would be nice right now). I also exceeded the gas budget because of the long 8 hour drive to and from my hometown.
Ta-da, the whole shabang. Like I said in my last blog post, I splurged on skincare products this month and the uncategorized $140 was an ATM withdrawal, which I used at home. The fees were from my CC and that will be nonexistent since I'm CC-fee-free! The $63 for business services is from shipping items that I've sold online... also hoping to minimize this category.
I know you're hoping I didn't just spend all month right? Seriously, who does that? Every other Friday, I contribute 5% of my paycheck to my 401K, and I receive 3% employer contributions. $300 went to my Roth IRA this month and $100 went to my savings (I'll be transferring $600 later this week, but that doesn't count right...that would make it part of December). I still have about $90 in my checking account and $80 in my paypal account just as padding... maybe I will buy lunch some time this week! :)
How did you do this month? How do you reward yourself for sticking to your budget?