Monday, September 29, 2008

Spending too much

We have been spending too much money lately. Between all of the things the kids have to have for school, like club, band, and orchestra t-shirts, year books, school pictures, poster board, art supplies, etc. and the stuff they just need, like clothes, a new amp, cords, getting the guitar fixed, books, the list goes on, we have spent a lot of cash this month. We have also taken a couple of necessary weekend trips that cost us a couple of hundred each. None of that was really budgeted because I wasn't really thinking about it at the time so it sort of snuck up on us. And a work related cookout we had to buy extra groceries for.

Then there was the $800 payment to the doctor's office. And the personal property taxes. And the vehicle insurance. A boy scout canoe trip. Food at the ball game my son has every Thursday night. Tags are due in October for the car. Christmas is coming up. All of the fun things that are darned near impossible to budget.

It sometimes seems impossible to save any money. We actually have done pretty well in the last year, savings wise. It is just that we could do more. For a couple of months early in the year, we conserved every penny we could find.

And slowly over the course of the year, we have started slipping back into our old habits. Buying things we don't really need, eating out too much, getting things on the spur of the moment instead of thinking them out. That sort of thing.

We must get back to doing the basics again. Only the necessities. Making things instead of buying them. And deciding priorities.

Granted, some things are unavoidable, but if we are careful where we spend, we will have the cash on hand for them when they arise.

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