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Runaway money train

November 29th, 2011 at 10:02 pm

I'm feeling a little overwhelmed and out of control on the money front, which is totally out of character for me. It's probably a result of
*holiday overspending. I bought most of the kids' gifts used on Craigslist, but still have spent a tidy sum on children's and family gifts, as well as "adopting" the gift list of three foster children. Part of this is mom and I decided to pool our money to buy bigger, more useful and nicer gifts for my sister-- namely a laptop. And, an iPod that I got a super deal on thanks to sales and coupons. We're giving her the iPod for her b-day.

*I haven't gotten a freelance check since October. I have yet to be paid for October and November, I know the company is good for it, it's just that checking up on my peanuts is pretty frustrating. First, it was a snafu in the payroll department, so none of the freelancers got paid, and then my editor FORGOT to turn in the invoice-- and then finally turned it in a month late. This throws a complete wrench into my monthly financial plan, as that money goes to retirement and to the mortgage and preschool bills. Ugh. The only potential bright side is that IF I get paid in December, it will be for two months at once, so I might be able to put larger chunks where it needs to go, including replacing the $900 I took out of savings to cover the mortgage when the check didn't arrive this month! So frustrating.

I know I have totally been overspending lately, and I KNOW I should seriously clamp down and come up with a better plan for our monthly income. I just haven't because every day is so packed full between work, and shuttling two toddlers everywhere, plus the time I spend at my weight loss workouts at the gym. It's so time consuming! But, on the plus side, I've lost 13.8 pounds since mid-September. YAY!

I can't believe 2012 is just around the corner and it's already time to start thinking about next year. I don't know what my goals are, but I know I really need to figure out how to make the most of our money, especially now that we have a mortgage. Things have just been crazy since buying this place.

Posted in Uncategorized | 5 Comments »

5 Responses to “Runaway money train”

  1. My English Castle Says:
    November 29th, 2011 at 10:46 pm 1322606801
    1322606801

    Terrific job on the weight loss! It's hard to keep a lid on spending when you're so busy--at least it is for me.

  2. creditcardfree Says:
    November 29th, 2011 at 11:14 pm 1322608481
    1322608481

    Congrats on the weight loss and best wishes for getting control of the money!

  3. ThriftoRama Says:
    November 29th, 2011 at 11:35 pm 1322609732
    1322609732

    Yeah, I hate to say I feel too busy to deal with money! Time seems to be more important, but I know that isn't sustainable, and if I just put a little work in now, it will be on autopilot and I won't have to worry!

  4. Alex J Says:
    November 30th, 2011 at 02:55 am 1322621745
    1322621745

    Everyone lapses a bit every now & then. But it looks like during a tough year for many, you've managed to do okay judging by the sidebar (still on "less than two incomes", or less than two consistent incomes?). A few hiccups shouldn't be something to get too upset about. :-)

  5. ThriftoRama Says:
    November 30th, 2011 at 04:16 am 1322626615
    1322626615

    Thanks for the encouragement guys. The thing is, I feel like my temporary lapses are becoming so common they are the new normal. Time is such a precious commodity, that we often throw money at problems instead of effort. It's a slippery slope!

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