Getting the budget back on track after over spending
I seem to be missing alot of money lately based on my budget. I haven't been keeping track of spending and have been very slack with my grocery shopping, often going for several top ups because I just felt like something.
Well I sat down with my banking ap and worked out how much I have spent on food in the last week (payday is this Thursday so since last payday a little over a week). OMG its over $600! It is just so easy to get off track when you dont track your spending closely. This was little $30 top ups here and there are a few times eating takeaway. But it all adds up! This is why I say often on this blog that you have to go into your spending habits often to see where your money is actually going. Its all well and good to have a budget but if you dont track your spending then its just so easy to fall into bad habits.
Of this spending I worked out $230 was on actual groceries, the rest was takeaway and my food budget is only $100. So I have now put myself on a takeout and grocery ban for this fortnight. I wont set foot in a grocery store or fast food place for two weeks.
- I will plan my shop online as I should do and order on Payday.
- I will meal plan and work out exactly what I need
- Zero top up shops!
- I will not eat takeaway and will actually pack my lunch daily.
- Zero hot chocolates at the coffee shop
- No trips to the markets because although its good to support small business it is basically a top up shop because its in addition to my fortnightly shop.
- I will go through the food that is already here and ensure im not buying extra.
