First Month of Dave Ramsey

Living with cash is a total pain in the booty, BUT, it has already made a difference in how I spend. Last month, I had a car repair. I was able to make it out of my budgeted money...AND drumroll please....Even with the car repair, I came in $200 UNDER budget.

Okay, so  now I need to spend  $300 on getting my kittie fixed and up-to-date with the vet. Bonus is that I have $200 of already in my pocket leftover from last month.

My banker is laughing because I'm going in every 2 weeks now to get cash. She thinks I'm a nut job...well she has known me for a couple of years...so her theory may not only be based on my new cash experiment. But hey, its working. When I say I'm $200 under budget, what you need to take into consideration is that in November I was $900 over budget and in December I was $700 over budget. In the past, I never compared what I actually spent to my so-called budget. What a wake up call. I had a budget, I just never once stuck to it.

I had some work expenses in the past few weeks that I put on a credit card and never expensed...too lazy. Well, I added them up and its almost $200....so more money going to be coming in. I also realized I can get reimbursed $150 for my gym membership through my company so I'll be doing that too. I have been so lazy with my money in the past. Not sure why I didn't seem to care.

I also consolidated all my recurring credit card expenses onto one card. It's about time. The gym was on Costco AMEX, Netflix and toll tag were on green AMEX, cell bill was on Sapphire card. What a pain to keep up with so many small payments. 

My boyfriend is Mr. Frugal so he's in good shape, but I have to laugh. I'm now becoming Ms. Frugal and he's out looking at bass boats. He has seller's remorse from selling his Champion last year....shown in picture.