Monday, April 8, 2013
March turned out to be a strange month, as mentioned in my previous post. I ended up going over budget--- mostly on groceries, but also because I had forgotten to factor in one expense in my annual budget plan: homeowners' insurance. Fortunately, my tax return will cover it. I was hoping my full tax return would go into savings to replenish the chunk of my nest-egg spent refinancing my home, but my deposit will just have to be smaller than anticipated. From now on, I'll have to factor in an average of $65 per month to offset the annual bill. I really don't know how that one got past me.
I also went to Target for the first time in many months. I was visiting the family at the end of March for Easter, and stopped at the store to pick up a few necessary items. I ended up leaving with much more. I spent over $400, and had buyer's remorse the moment my feet hit the parking lot. Buying it didn't make me feel fulfilled or excited; it made me feel stressed and impulsive. How had this happened? I ended up leaving all of the unnecessary merchandise in the trunk of my car over the weekend and returned it a few days later, reclaiming over $200 of my initial purchase. Phew.
Also, I only posted and sold one item on eBay in March, and the buyer still hasn't paid me for it. eBay is currently filing a claim against them. I'm not broken up about it, as the total in question was for under $20, and the item is still in my possession.
So, in the month of March, I'd managed to overlook a massive recurring expenditure and spontaneously bought a bunch of stuff at a mega store that I didn't even need. And I didn't bother to post my existing unwanted items for sale online. My brain was clearly not operating well! Perhaps it was family-related; my grandmother was admitted to hospice and is not doing well. I went to visit her over Easter weekend, perhaps for the last time
One thing was for certain: in April, I need to get my groove back!
I restructured my 2013 budget plan to include home insurance. This made my "flex money" pool smaller, but that's nothing I can't handle. I need to be more disciplined about my grocery spending. I'm good about writing a shopping list and sticking to it, but I'm not always discerning about what I write on the list. I'll find a new recipe and want to try it, so then I'll add all of the ingredients for it to my grocery list. As much as I enjoy culinary experimentation, methinks I need to rope it in a bit or I'll ruin my budget.
Posted by Kelsi at 4:18 PM