Tag Archives: personal finance

October Saving, November Goal

2 Nov

So, we haven’t really created a savings plan.  We should, and we should categorize everything, and carefully pick through what we need and don’t need.  But we haven’t.  Our plan for the first month of our new ‘budget’ has basically been: save anything you can.  No buying lunches at work, no picking up unnecessary but adorable dresses on our trips to Target (sighhh), and making dinners at home.  At the end of our first month, I think we have both been successful.  I don’t know exactly how much money TS was able to save, but he said his credit card bill was lower than it had been since he moved to the city last spring.  Mine was lower, too, but I had to mentally add the charges on my Target debit card instead of pretending I didn’t spend the money, which took a bit of the bite out of my savings.  I was able to transfer a chunk of change into my online savings account yesterday, which in addition to my  savings account at the credit union, is growing again after the large withdrawal to buy my car in August.  Less money in my bank account? Bummer.  No car payments?  Worth it. Continue reading

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A Balancing Act

22 Oct

Next to business planning and actual physical work, saving money is one of the most important aspects of our still-forming plan.  Because we don’t know what our living situation will be in the next 6 to 12 months, not to mention what we will be spending on everything farm-related, we are saving every penny we can until the spring.   Don’t get me wrong here, folks.  We both work at nonprofits and aren’t exactly high rollers.  We don’t eat every meal at fancy restaurants and going on shopping sprees at Macy’s, but I have been known to do some unnecessary clothes shopping on our trips to Target and my (rather pricey) Smashbox and Benefit cosmetics are dear to me.  TS isn’t leaking money either, but he was previously buying lunch every day and he often pays for both of us in social settings.  And we both love sushi and hitting estate sales on Saturday morning.  Keep reading…