So I just went back and looked at my credit card statements to see how I am doing with keeping track of my spending.
Yikes! I knew I had forgotten to enter a few receipt totals into my budget excel sheet, but i figured it didn't amount to all that much since they were usually small purchases - a latte here, a book there.
Grand total of unaccounted for expenditures: roughly $320.
I'm not doing as well as I had hoped. And with the holidays around the corner, I am trying to convince not to spend too much this Christmas, which is going to be very difficult for me.
Thankfully, my Mom decided we're keeping Christmas simple this year - she sent us this video from Youtube called the Advent Conspiracy.
Anyway, as I think about working as a Catholic school teacher next year, and the high probability that I won't exactly be rolling in the dough, I'm going to have to really cut back...
The thing is - I keep telling myself that I don't actually spend that much money. And compared to some peers, I don't. I've been better than I was last year... But right now, while I do not have a balance on my credit card and I do have money in the bank, the fact of the matter is that I feel like I should have at least $3,000 (half of my year long goal to save $6,000) currently in my banking account, which I currently don't - (not even close!).
Hopefully the situation will improve. I am determined to make my goal - and it's not too late (yet). Wish me luck!
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