I am neither poor nor overwhelmed by staggering debt; however, my current income is not covering my outgo, which, if the situation continues, could lead to heart-stoppingly staggering debt.
And, no one wants that. Prior to the beginning of the Unfortunate Unemployment, I kept a meticulous budget ... using a very basic spreadsheet. It looked like this:
Notice (after you click to embiggen) that the unchanging payments (mortgage, co-op fee, student loan, etc.) are at the top, followed by variable expenses (groceries, entertainment) and I spend a heckuvalot of money at Whole Foods and the likker store. Also, notice that I put a constant -yet small- amount of money in savings every month. Pay yourself first, kittens.
That needs to be said again: Pay. Yourself. First. Kittens. Srsly. You are worth it.
Now, let's take a look at a During the Unfortunate Unemployment budget:
Uh? What? "There's nothing there," you say?
That's right. I have slacked off on the budget-keeping. Oh, I still keep every single receipt. I have a pile of them accumulating in this very cute casserole (of course, it's not balanced on top of my sofa now. It's on the dining table). I have not been entering them into the budget spreadsheet.
Having one's monthly income cut nearly in half is scary ... and I am in avoidance. However, if BOSSY can share her financials with the world, the least I can do is maintain my monthly budget (no matter how overbudget I go).
Note that I said "maintain" not "abide by" my monthly budget. And, now, I'm off to visit Leah the Colornatrix.
As Gawd as my witness, I'll never be my natural color again.
Oh, and GOOD MORNING, Kittens! luv ewe!
More later. *smooches*