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3 day weekend

March 3rd, 2013 at 05:14 am

It was my birthday yesterday, so I took Monday off of work. I rather like how a birthday turns into a birthweekend!!

I managed to have NSDs for the last few days of February, but on March 1st, it was time to go to the grocery store! I spent $47 on groceries, $6 on kitty litter, $5 on flowers (it WAS my birthday, after all), and $5 on playing stick and puck.

Yesterday, I gave myself permission to go a little crazy if I wanted---and I had a No Spend Day! How did that happen?!? I rode my bike on the trainer in the morning, boyfriend went to play stick and puck with his friends for about an hour while I stayed home and did a bit of cleaning. When he came back, we went to get our skates sharpened and for dinner with Dad. After dinner, we were so tired that we just came home! I was thinking we were going to go to the mall afterwards (the restaurant is right across the street), but all of us were so tired that we just left. I'm getting OLD!

I've decided on a complicated formula for my extra money I bring in for the month. My ultimate problem is that I don't really have a pressing goal right now. So I have no big incentive to save any extra money that I get. My only debt is the one I have with the ex that I can't pay off early. My car is paid for and is running strong (knock wood). I'm not saving for a house because I live with my boyfriend, who owns the house. No plans for a big vacation. No big expenditures planned for the future.

I save 15% of my gross into a 401k, my work contributes 8% (whether I contribute or not). My goal is to save $5500/year into an emergency fund/car replacement fund/slush fund.

Boyfriend and I have an agreement that I pay him a set amount to him for "rent" and then I buy groceries. He pays the house bills and buys the Sams club stuff (unless it is obviously something only I will use, like girl products). It works for us.

All this to say that when I get extra money, depending on what it is, I will allocate it accordingly. Can deposits will go into the grocery budget. When (if) the ex pays his amount of the loan to me, that amount goes into savings. Amazon gift cards will either go into gifts or grocery, depending on how they are spent. "Fun" gift cards (Bath and Body Works, Victoria Secret) will go into the gifts category (might be a gift for myself!!). Straight up extra money (survey money) will go into savings. Restaurant gift cards will go into Entertainment. Found money (usually change) goes into the change jar to get turned in twice a year and put into savings.

Very complicated, I know. I tend to think of the extra money as "gift" money, so I wanted to make sure to have some fun with it and since I'm on track with most of my savings and I don't have a big incentive to save for something right now--I'll do it this way. Now, if there was a plan for Hawaii in my future, I will definitely re-think my plan!!!!

2 Responses to “3 day weekend”

  1. creditcardfree Says:

    Seems like a great plan to me...some you spend and some you save!

  2. Jerry Says:

    It sounds like a great plan to me, too. And I love that you play `stick and puck.` I went skating with my daughters at the rink in our new neighborhood last weekend, and it was wonderful. Two outdoor rinks, one specifically set aside for hockey, it leads me to start thinking about getting out there a bit more often! I need to get my skates sent to me ASAP, I would prefer some insurance that I can avoid the rental skates...
    Jerry

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