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No Credit Card Usage for October!

October 23rd, 2007 at 10:06 pm

I made it my goal to stop using credit cards altogether this month. I realized that I have a tendancy to use my credit cards between paychecks and then use my hard earned overtime to pay them off. So I never carry a balance, but I spend more than my budget allows.

So its the 23rd day of the month & I haven't used the cards since before I started this self-challange. Its starting to get 'tough' now (at least mentally). Because I won't be paid again until the 31st.

I have 2 checking accounts: My main checking and my "House" checking.

The balance in my main checking is $189.95. I have budgeted:
$10.52 to groceries
$27.11 to medical expenses
$20.00 to entertainment
$40.00 to Weight Watchers membership (I pay ahead)
$10.00 to Netflix
$72.32 to Vacation
$10.00 to Cat expenses

The House checking has $227.65:
$47.65 to Trash (paid quarterly)
$80.00 to Water (paid quarterly)
$100.00 to Vacation Savings (to be used next week)

I have slush money in a savings account attached to my primary checking of $106.10, but I never touch that money if I can help it.

To make it til next Wednesday without major spending will be tough.
Wednesday: I have a work outing tomorrow night at TGI Fridays.
Friday: Halloween party at firehall with cash bar
Saturday night: Hanging out with friends. I just have to convince them that cooking is better than ordering out.
Sunday will be the first day of vacation & I don't plan on leaving the house Smile
Monday and Tuesday entertainment will come out of my 'Vacation Budget'.

So I can do it, but it might be tight.

1 Responses to “No Credit Card Usage for October!”

  1. Ima saver Says:
    1193177283

    You have done well!!

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