Category Archives: Life

September2014 Finances

Sometime last year, I started meticulously tracking my spending. I saved all my receipts and kept all of my financials updated in an organized Excel workbook. And then sometime around May of this year, I stopped tracking everything and, consequently, my spending has gone to crap.

I’m going to try and post a monthly review of my finances to keep myself accountable. Who knows, maybe I won’t buy a shake once a week from the diner down the street knowing that I’ll have to fess up to you all. ;)

Breakdown of my spending this month:

SeptExpenditures

  • Groceries: $136. This was my weak point this month and I’m not even really sure how I spent this much. I know that part of it was the fact that I moved back this month and had to buy a lot of necessities that I don’t normally need to buy on a regular basis (salt, pepper, flour, etc.). A lot of this was also impulse spending: I went grocery shopping with Andrew and his roommate so I bought a lot of unnecessary things for them and myself that I wouldn’t normally buy. Peer pressure, y’all.
  • Gas: $80. Not terrible. There’s also not a lot that I can do to cut back on this short of taking public transportation. I have been walking to school, so maybe next month I can shave a little bit off of that.
  • Restaurants: $16. I did really well this month on eating out. I only went out on two occasions and spent a minimal amount ($8 each time).
  • Entertainment: $5. This was also a high point this month for me; I went to the movies and only bought candy for me and Andrew. Success.
  • Miscellaneous: $122. Another rough area this month – and all spent at Walmart! A lot of this was a one-time expense, though. Since my roommate moved out, I needed to buy a lot of cleaning supplies and kitchenware, including broom and dust pan, toilet plunger and brush, knives, organizational crates, and toiletries. I should be able to eliminate most of these expenses for the month of October.
  • Utilities: $110. This includes internet, gas, and electric bills. This also includes installation fees and set-up charges. This should be marginally lower next month.

Total Expenditures: $469*

Areas for improvement are definitely my groceries and miscellaneous spending. My goal is to cut each by about $50, which would still leave me with $86 for groceries and $72 for miscellaneous. I’m going to put that $100 directly into savings, which has been suffering these last few months with wedding planning. Living on your own can be expensive, but it doesn’t have to be when you’re wise with your money. So here’s to better finances in October!

*Note: I haven’t included my fixed costs (such as rent and car payments) because these costs I can’t change or diminish, so are, in this case, irrelevant.

Reconsidering my Stance on Mornings

I’ve decided to start walking to school. My apartment is so close to campus that it seems silly not to – and the weather has been so mild and beautiful lately that I can hardly resist doing it! It’s a little less than a mile so it only takes me about twenty minutes with waiting to cross the busy streets.

I love my walks to school. Half of it is busy streets and the other half is nice and shaded and pretty. There’s a creek that runs right in front of the campus and my favorite view is standing on the bridge looking to downtown Kansas City.

I always feel so good after walking home from school. I hope me now walking about two miles a day compensates for the extra cookies I’ve been eating for lunch. :P

Mornings are usually so hectic and crazy for me. Normally I’m running late: I hit the snooze button too many times, I can’t figure out what to wear, I forgot something and had to turn back, I took too long eating breakfast. But so far this semester I’ve been really good at waking up on time and managing my time in the morning. I think it’s because I woke up every day over the summer at 6:00am so waking up at 7:30am is now normal. How bizarre.

If I have slept until about 10:00am now, I feel guilty. -_- I normally can’t sleep that late anymore because of my sleep schedule, but I feel like I’ve just wasted a good chunk of my day by not making the most of my morning.

I make my bed every morning now: seeing my sheets all mussed and my pillows strewn across the room drives me crazy! I used to not care a bit; my logic used to be that it was silly to make the bed up when I was only going to mess it up later at night when I went to bed. Now, however, a neat bed implies a neat morning and a neat day ahead of me!

How have  I missed the glory of mornings up until now?

September has been a very mellow and peaceful month for me. My classes are picking up and I’ve started working at the theater again, but overall it has been very relaxing. I have become very lazy! The closer fall becomes, the more that I just want to roll in a pile of leaves and eat caramel apples. Homework? Tests? Psh, what are these trivial things against the tide of the seasons. ;)