I was doing so well, until now.
Somehow I got off track this month and now I am struggling. I think it was a combination of many things all at once. December proved to be a bit of a financial drain due to the holidays. Then January was going swimmingly until I needed all new tires on my car.
The tires set me back quite a bit. The tires were not unexpected as I always need some sort of major car repair around this time of year. I’ve known I needed tires for about a year and put them off as long as possible. I finally gave in when my front driver’s side tire went flat….again. Luckily I did have money in my Emergency Fund, but it wiped me out entirely. I was still in the process of funding it.
After that I just overspent on gifts, dining out, and my hair. I think I kind of went a little crazy. Usually my tax return comes around now, but I have had to delay filing due to the Schedule A not being completed yet, but hopefully that will be taken care of soon. I have a large looming electric bill in April where I catch up with my leveled billing and need that money to help cover it and some vet bills. Apparently I ran the AC too much this last summer and owe a ton of money.
On the upside, the direct deposit into a savings account that I don’t have ready access to is working out well and I have picked up a couple of side jobs. They don’t bring in much, but I’ll take what I can get. In the meantime, I am working on getting this roller-coaster back on track and go uphill again!