So it's the end of the year and for most people this time of year is tough on your budget! Me included :-(
Between trying to buy Christmas gifts, paying house taxes, home owners insurance and trying to get last minute dental work done before our insurance changes at the beginning of the year...it's been tough! My budget has been blown out of the water this month, and it drives me crazy.
Of course I had planned on the Christmas gifts, I had set the budget for those things and have done an excellent job sticking to it. The taxes I save for all year round but it still sucks to pull all that money out and pay it, especially during a time of year where it seems money is just flying out the window. As far as the dental expenses they were not really planned. We found out our insurance is changing in November and since the new insurance kicks in on January 1st we have been in a mad dash to get things done before it switches. Mark has had to have some fillings done and for me I will be getting a much needed crown before the end of the year. Crowns are VERY expensive all I know is I will be paying between 400-600 dollars depending on what the damage is once they get the old crown removed. My old crown was not put on properly (by another dentist) and it has been leaking for awhile. Hopefully it won't be too bad, but that is a huge chunk of money right now! Then we have the issue of Mark's truck desperately needing tires (ugh), but we are going to try to hold off until after the 1st of the year because we don't drive that on a daily basis.
All this stuff at one time just makes my head spin....I feel like I am drowning in expenses!!! I don't like to have more money going out then coming in... I have some money saved up, but it stresses me out to have to dip into my savings. Is anyone else like that?
On another note, I have made a promise to myself to be a SUPER saver next year :-) After these things have been taken care of I am going to work hard to save extra money in 2012. I am going to work harder on my coupon shopping (I have been slacking), I am going to try to use Ebates more to get a little cash back on the things I do buy, I am going to stock up on credit card points for gift cards to use for next Christmas, I am going to try to save a little extra money out of each pay check, and I am going to stop spending money on things I don't need (I don't do it too often anyway). I am ready for December to get out of here and all these expenses that come with the end of the year...whew!
In the mean time this is going to be a GREAT week!!! I only have a 2 day work week and then I am on vacation for the rest of the week....and Thursday is my BIRTHDAY :) 29...yuck! Last year of my twenties, so sad. Time sure does fly!!!
Between trying to buy Christmas gifts, paying house taxes, home owners insurance and trying to get last minute dental work done before our insurance changes at the beginning of the year...it's been tough! My budget has been blown out of the water this month, and it drives me crazy.
Of course I had planned on the Christmas gifts, I had set the budget for those things and have done an excellent job sticking to it. The taxes I save for all year round but it still sucks to pull all that money out and pay it, especially during a time of year where it seems money is just flying out the window. As far as the dental expenses they were not really planned. We found out our insurance is changing in November and since the new insurance kicks in on January 1st we have been in a mad dash to get things done before it switches. Mark has had to have some fillings done and for me I will be getting a much needed crown before the end of the year. Crowns are VERY expensive all I know is I will be paying between 400-600 dollars depending on what the damage is once they get the old crown removed. My old crown was not put on properly (by another dentist) and it has been leaking for awhile. Hopefully it won't be too bad, but that is a huge chunk of money right now! Then we have the issue of Mark's truck desperately needing tires (ugh), but we are going to try to hold off until after the 1st of the year because we don't drive that on a daily basis.
All this stuff at one time just makes my head spin....I feel like I am drowning in expenses!!! I don't like to have more money going out then coming in... I have some money saved up, but it stresses me out to have to dip into my savings. Is anyone else like that?
On another note, I have made a promise to myself to be a SUPER saver next year :-) After these things have been taken care of I am going to work hard to save extra money in 2012. I am going to work harder on my coupon shopping (I have been slacking), I am going to try to use Ebates more to get a little cash back on the things I do buy, I am going to stock up on credit card points for gift cards to use for next Christmas, I am going to try to save a little extra money out of each pay check, and I am going to stop spending money on things I don't need (I don't do it too often anyway). I am ready for December to get out of here and all these expenses that come with the end of the year...whew!
In the mean time this is going to be a GREAT week!!! I only have a 2 day work week and then I am on vacation for the rest of the week....and Thursday is my BIRTHDAY :) 29...yuck! Last year of my twenties, so sad. Time sure does fly!!!
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