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Down to $193

September 28th, 2016 at 02:21 pm

I posted a few days ago that we had $300 left in our budget until payday on October 1. We do have other cash, but we are saving that money! This is the money we can spend if needed.

Today my husband filled his truck with fuel for $34.45. I made a $25 donation to a charity. I paid the university for a book my daughter charged to her account for $28.73. I also asked my husband to pick up coffee at the commissary on post. He spent $23.38, which must be for more than coffee, but he's not home yet so not sure on that charge.

We are down to $193 and change left our budget for the next two days. I expect a couple more small expenses, but nothing major.

My daughter's flute lesson was cancelled so that will mean a credit of $25 on my account for next month. As a result of not driving to the lesson, it means I didn't get a chance to go into Kohl's looking for anything to buy with my $10 rewards coupon. So for now I have saved some money!

How much cash do you have left until your next payday? And when is your next payday?

5 Responses to “Down to $193”

  1. ceejay74 Says:

    Not too shabby! All our regular paycheck money is bucketed out, so I don't think of it as a lump sum. The only time we have money left over is the rare times when a bill comes in lower than expected or our groceries, cellphone or carshare use are less than budgeted for. Hardly ever! (Though our utilities bill just came today $20 less than we budgeted, so that was nice.)

    We do usually have a checking account cushion between $1000 and $15,000 (usually $5K to $10K) due to saving up to pay off credit cards, accumulating AS's quarterly tax payment money, etc. I just don't think of it as "real" money because it all has a purpose in the budget.

    AS's money is the only unallocated cash, and it's usually going to fill various wants and needs as soon as it comes in. And her income is very unpredictable--she works pretty steadily but receiving the actual checks is a different story!

    I've started skimming 50% of AS's net pay right off the top and shuffling it off to savings so we can someday check off a bigger "want"; if I don't do that, the money just dribbles away.

  2. creditcardfree Says:

    Using YNAB helps me see what I put into the Everyday spending categories, so if we don't use it all I move it to our emergency fund at the end of the month. But we also have several thousand extra in our checking account. This month we've spent less on personal needs, clothing, alcohol and groceries.

  3. debtfreeme Says:

    170 in grocery and fun money still this month until pay day on Saturday. I wasn't saving it but now I can use it to go to san Francisco and Sonoma to see my niece play Univ Volleyball.

    And I have $75 in my gas envelope. October is a very busy house sitting month so I anticipate using that along with the October budgeted $140.

    AND asking that question made me realize I have a travel advance from my business trip last week to cash! $207 toward the expenses of the trip (which were $140 as I cash flowed the meals from my regular budgeted amounts). I need to deposit that check and pay my credit card for the hotel room.

  4. frugaltexan75 Says:

    My payday is tomorrow (3rd paycheck). Our groceries category is maxed, as is our gas category (in fact, may need to WAM a bit if DH gets gas tonight.) Other than that, it's bucketed money, so like Ceejay, it's not really a matter of how much total we have til next payday.

    I'm looking forward to doing the October budget with DH tomorrow - with the overtime and the 3rd paycheck, it's going to have lots of dollars extra for different jobs. Big Grin

  5. frugaltexan75 Says:

    *Groceries and gas are maxed because I whacked some money from them to cover DH's ticket, and then later to cover the Trans Siberian Orchestra tickets ...

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