June 11, 2007
Budgeting is driving me nuts
I’m really getting frustrated right now at the spending levels already this month. Currently our income is not keeping up with what is going out the door. Part of the problem is making up for negative cash flow from last month. The other part is having some extra expenses due at the beginning of the month. I know how things are getting behind, but getting back in front of the eight ball here is rough.
Normally the bulk of the household bills are taken care of on the 20th of the month. Some of our expenses are technically trying to use this money before it is even there. Right now it is getting to the point of writing hot checks while waiting for payday to come. We have to resist using credit cards to ’save’ us because that won’t really fix the problem.
My wife got mad at me this weekend after we were done with our shopping tasks at the mall (I hate malls) and I was ready to go home. She wanted to see what our friends were doing and go out to eat with them or something. I told her that we simply don’t have the money right now to do that, and she got extremely pissed off. That hurt the most. It’s not like I don’t want to go out to eat or spend time with our friends, I don’t want to dig myself deeper in a hole in order to do it. I can’t wait until Friday because then there’s only 5 days of stress until the next pay period to ease the pressure I’m already facing. Normally I’m optimistic about things in that it will always get better, but money things always get worse before they get better. I have a car insurance bill that makes me want to break the glass on the emergency fund to stop the pain.
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