This post was written by Mrs. HB
Have you heard the ole saying ” Life can change on a dime?” Well ours has this summer. It is the summer that our HB daughter turns 16! And if that doesn’t have life altering effects for you then I don’t know what does, but unfortunately we found out what the other could be.
HB boy blew out his knee while playing tournament baseball! UGH! A fracture in his knee growth plate has changed everything. Poor thing! Not only his summer plans, but how I navigate the summer with work. I have had to take all my sick leave plus two weeks vacation for the interim. Then we will see. Bless his heart!
But I am not here to update you on my Hillbilly family affairs, but rather how life has intervened and how that has affected everything about what I have been doing in regards to my budget. Should I be keeping my fingers crossed here? Yes, events have caused me to do things I wouldn’t have but if I am being honest, I had veered off the path before said events happened. Fortunately I have had several months that I have been saving before this occurred.
Lets start with my cash stash for which I am supposed to withdraw at the beginning of the pay period and dole out with each expense…. botched. I just haven’t made it a priority to go get the cash at the beginning of the pay period and as such, start my week using the debit card for groceries ect. Having divulged that, I have also been going to the grocery store a lot more than my previous once a week grocery shopping trips.
But to my defense we have been using the grocery as a source of entertainment for HB Boy, it evolves riding the grocery scooter around the store while I shop. So sad I know. We have gone at least three times this week. Once for groceries, again for HB daughters Bday stuff and again just because. I know I have lost all control. But, I know how much I have spent and I have not dipped into my savings for this luxury.
We have also gone several times to Costco for the same entertainment of scooter riding.
This life event has also allowed me to catch up on yard work and landscaping that I have been needing (wanting) to do. Like laying stones along the top part of our garden. I had about half from a previous project but had to purchase the rest as well as multiple plants.
Granted I re-purposed many plants to other areas, but needed to purchase others to fill in. I love working in the garden. The veggie garden is blossoming but I need to weed very soon.
I have also ventured back into my old haunts, Tj Max and Marshalls. Not for the purpose of wasting time but for specific items. So I may have spent money looking for a purse, magnifying glasses or shirt for HB Girl but I know exactly what I spent and wasn’t willy-nilly about it. I have even started to use my credit card again but pay it off immediately so I still have a zero balance!
As I mentioned our HB daughter also turned 16 this month….. She is very low-key but I have booked an overnight for her and a couple for friends. As well she wanted to go to Seattle for a “splurge” at her favorite store. I have a hard time saying no to both of my kids but bless her heart, I gave her a budget and she came well under it. She is much more like her father when it comes to spending.
At last I can only speak for myself. It’s a beautiful thing to have a friend that can make you focus and reinvent your spending habits. But when I get back to my reality, I can’t always follow my best made plans. I can be aware of my spending and can be responsible for that.
That means paying bills off and making decisions whether or not I NEED or want things. That is important. I think my journey with Ms Mavis has taught me to be aware of what and when I spend. Though I loved the structure of our early months (Jan-May) most of us can’t keep up with that type of dedication.
I do know I do better with cash only and that is one pattern I want to hold on to. Meal planning when I can is always best and helps with stress. But again, may not happen every week and that’s okay. I guess its flexibility and accountability that makes for a positive life long change.