#budgetfail

MOST RECENT

Our monthly grocery budget is $450 for two adults and two kids in FL. That is supposed to include all toiletries and household goods too. Oh and diapers. Can't forget those. .
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We ALWAYS go over budget in this category. No matter how detailed our meal plan is and how many sales I shop at multiple stores. I've even increased the grocery budget and still somehow go over. It sucks. I've tried couponing, shopping weekly vs biweekly vs monthly and nothing seems to work. Is it just me or do a lot of you guys have the same problem?
Any tips or tricks appreciated!! .
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#debtfreecommunity #mealplanning
#budgeting #budgetfail #debtfreejourney

Hair salon, in the middle of a market style, Goa.
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Typically I need my hair cut and coloured in the most expensive period of the year so I’m just striking off any pretence of staying within budget before Christmas and making the executive decision that will do nothing bar attend birthdays and watch box sets in January in order to make up for the overspend. It’s like when your make up bag all runs out at once. What IS that?! The good thing is everyone else is sick of going out and doing stuff by then too so I should be able to get away with it. SO, IF I KNOW YOU IRL: don’t ask me to do anything in the new year unless it’s your birthday. The rest of you can wait until February. Yes this is extreme forward planning but I need to justify getting my hair done, okay???
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ICYMI, my travel guide to NYC is on Burnessie.com now and the link is in my bio! Let all your New York bound friends know ✈️🗽🇺🇸

It has been tough lately, these past 3 months. At first, I fought hard against it, ignoring it, acting like it wasn't a big deal and I felt myself conceding to the back to back failures. Eventually, once I acknowledged, fully, the mess I was in and how I got there, only then was I able to embrace new opportunity and make changes.
In short: If you fall off of the horse, dust yourself off and get back on! .
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#debtfreejourney #debtfreecommunity #budgetfail #budgetwin

15. November. 2018
Lesson learned.
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What a week! Guess what our second paycheck came in on 10th, Saturday, this month. First of all super early like 3 days! We get paid 2 days earlier but this time 😱.
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Anyways, guess what?! We were out to eat! Even we had all the food in our house! We slipped in a mood and we thought we can fixed with E.A.T.I.N.G. O.U.T!! First one was $111, yes I know wow!!! And the second one was $56 not that much but we will notice soon!!
Oh don't forget I was shopping at target for Christmas! I love Christmas and I got weak 😭🤦🏼‍♀️ .
Vet visit for 2 kittens and $140 less.
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So 4 days later I finally did the budgeting for our second paycheck! I know, how I can start so late 🤦🏼‍♀️🤦🏼‍♀️🤷🏼‍♀️🤷🏼‍♀️ be honest with you I have no idea!!
I cover the eat out with our grocery budget, since I was shopping already so we have $156 left for around 2 weeks plus Thanksgiving.
I make it work that we will have a nice Thanksgiving meal plus the regular meal for next week!
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So with all those expenses we had, we got $96 short to cover all our bills!! And I decided that nobody gets fun money this time! The girls weren't happy at all but I explained it to them and they understood it afterwards. And we decided as a family no more eating out!!
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Lesson learned! .
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#debtfreejourney #debtfreecommunity #daveramsey #frugal #savemoney #babystep2 #paradies #hawaii #familyof5 #debtfree #debtfreeliving #debtsucks #debtfreeisthenewsexy #debtfreekids #debtfreefamily #budget #budgeting #minimalist #minimalism #budgetfail

You’re not my supervisor, Tiffany!!
#budgetfail #dontmindmywine #mindyabiz #mindyabidness

After praising myself twice yesterday for saving £1.55 on breakfast, I have slept in this morning so guess what.....£1 will be spent on breakfast this morning! 😬
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#budgetfail #budgetuk #budgeting #tips #breakfastathome #savemoney #savingmoney #moneysavingtips

This is about the day, I was super proud of myself to have bought shampoo & conditioner in under $4!
#studentbudget planning was on point! Atleast that’s what I thought.
In a month’s time I understood that certain things cannot be contained under budget. You will have to spend a certain amount on the vitals (without so much contemplation)! .
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▫️you will be spending on shampoo, grocery & things that are basic. So don’t beat yourself for it. Neither would you enjoy living on a budget nor would it be beneficial - just like this shampoo ruined my hair & I let it! .
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▫️living on a budget is all about prioritising & knowing the knack to buy things at the right time. .
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▫️Lastly, breathe & get your spend on! (responsibly😬) #latergram #budgetfail #justindianthings #indianblogger #hookorbycookbudgettip #seattle2018 #loveseattle #budgetplanner #budgetingtips #seattleblogger #haircare #shampooandconditioner #usa #usablogger #pnw #safeway #choosewell #planwell

I've missed a couple of days of #failureproject. It's tempting to characterize that as a failure in itself, but I've been thinking more about #failure and as a result, about #success. Which failures count? Since yesterday I've been able to face my paper again, and make an effort to will it to life. I'm still doing a lot of the writing by hand, but I feel focused and motivated, even though I still feel waves of anxiety throughout the day. But I have to go on the market, I need to get a real job, I need to graduate. So what feels like a failure?

1. I've been working at a coffeeshop, which means I've been spending $15-20 a day eating out, for two days in a row. S pmomething I can't really afford right now. #budgetfail

2. I've had to leave Copper pretty much to his own devices all day and I can tell he needs more active playing. He's destroying a pair of fuzzy socks right now and I'm letting him because I'm at my wits' end and he would not stop whining. I would've walked him more this evening but it's raining hard. #dogmom #fail

3. I'm not working out as much. It's been forever since I did pilates and I miss it. I miss yoga, I miss zumba, and it's so freaking hard to start over in a new place finding new classes especially with no budget for it. #selfcare fail

This covers my veteran's day weekend misadventures.
Image descripsh: clip art of number 9 (nine) in flowers, with two butterflies. White background. Watermarked depositphoto.

Doohooo....budget fail...forgot to include our yearly taxes for our cars. 🤦🏼‍♀️ Glad we have a cushion in savings. Won’t be doing extra for Christmas (see prior post)... No one is perfect on this journey. $1,365.43 for 2 cars bites! (2011 and 2016 cars) ouch... but we’ll make it. Giving myself grace and learning to see it as a blessing...we each have a car and we are blessed to be able to pay our taxes. #debtfreecommunity #budget #budgetfail

I admit it. No matter how I tighten my budget, i'll always run short at times. But that doesn't mean for me to stop and to give up #budgeting. It only makes me feel more determine to budget and to go on with this #debtfreejourney. Cheers to being debtfree soon! .
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#debtfreecommunity #debtlesslifejourneysoon #debtfreeliving #budgeting #budgetfail #budgetingmommy #budgeting101 #budgetinggonewrong #budgethunt #budgethunter #budgethuntermom #workingmom #momdoesbudgeting

[ Household Budget] I actually forgot to budget for these babies so they pulled from debit and they make such a big difference when the weather changes and our allergies are high.
#debtfreecommunity #debtfree #debtfreejourney #travel #thankful #blessed #moneyandmarriage #debtfree30incali #gracelikerain #thankfulgetaway #jetsetter #moveforward #envelopesystem #budgetfail #budgetplanned #letsgo #losangeles

[[ HUBBY’S FAVORITE]] It’s his birthday week and I’m cleaning out the pantry! I found TWO bags of [his favorite] brownie mix and turned it into this pile of amazingness.

#debtfreecommunity #debtfree #debtfreejourney #travel #thankful #blessed #moneyandmarriage #debtfree30incali #gracelikerain #thankfulgetaway #jetsetter #moveforward #envelopesystem #budgetfail #budgetplanned #letsgo #losangeles #lalife #brownies #baker #sweets #sweetsonabudget #ynab

[EVER LOSE AN ENVELOPE]

I am 100% positive I placed the week 3/4 envelope in my purse since it still had $100 for groceries in it.

I went to pay at Target and I COULD NOT FIND IT. I just searched the entire store, my car, and the kids bags... Na-da. I put it in my purse before I unbuckled their seat belts. Ah. .
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#debtfreecommunity #debtfree #debtfreejourney #travel #thankful #blessed #moneyandmarriage #debtfree30incali #gracelikerain #moveforward #envelopesystem #budgetfail #budgetplanned #letsgo #losangeles #lalife #debtfreefail #groceries #nodbudget

I knew the news wouldn't be good. Food is my weakness. I am financially savvy in all other ways but food. Can't believe we spent almost $500 on takeout.

Anyone got books/websites/apps they can suggest so I can finally get my butt in gear?? .
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#budgeting #budgetfail #foodgloriousfood #needhelp #gippslandgirl #gippsland #lowerdebt #lessismore #gomoreforless #embrassing

I had a great hair day today💁🏾‍♀️... I also voted 🗳 and forgot my lunch😒so I ended up spending $8.91 🤦🏾‍♀️ #BudgetFail On the plus side, my check is a lil mo’ than I budgeted for 😏😏😁 #4CHair #4chairstyles #twa #california #curlfriends #Naturalhair #hair #naturalhairdaily #ie #inlandempire #cute #losangeles #blackhair #shorthair #californiablogger #hairblogger #awkwardlength

I've been quiet on here. I had so many ideas when I created this account to try & motivate me but budgeting really isn't that fun when you're not killing it 😅😑😭 .
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We definitely won't meet our November goal of being under $240k. With Christmas shopping (I hate the stress & wasted money that comes with gift giving at Christmas, I'm a grinch & I don't need more stuff), unnecessary food spending, my friend's wedding this weekend (I'm bridesmaid 😄🤑) and then flying to Crescent Head for one of my good friends daughter's 1st birthdays, our budget has well and truely been blown 💥 The trip to Crescent was not budgeted for or necessary but I know when I'm at work full-time next year I'll really regret not making the effort to see them. Our girls are a little under 5 months apart and so cute to watch together 😍 .
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I've also calculated that after my last parental leave payment mid this month, we won't save anything until I go back to work in February. In fact, we will go backwards a few hundred! I know it's not a long time but I'm so used to saving each month! I'm a very impatient person and always look too far ahead rather than enjoying the present. I only have 3 months left of maternity leave so I really need to start enjoying every single second now rather than worrying about our budget. .
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Has anyone been to Crescent Head? The creek has the clearest water 😍

So I've basically been nocturnal for the last month and decided today I would try to correct my sleep schedule. (Failed) There's also a decent blackmagic auction going on eBay. I was planning to wait until the pocket 4k camera was in stock but figured I'll just set my max bid at $575. If I get it great if not no big deal. Because I was so tired, I put in an 8 instead of a 5. Long story short, I won the camera against my consciences will. I guess this be destiny (by destiny I mean irresponsible spending habits) or something .😌 #budgetfail #frugalfail #unintentional #cameraupgrade #cinemacamera #blackmagicdesign #ebay #funnystory #filmmaking #shortfilm #sleepdeprived #nocturnalaf #scriptwriting #mimumfilms #mistakesweremade #lowkeyhappy

Let's talk real life. I have been HORRIBLE with spending the last two days.

Do you want to know what I'm doing at this exact moment. Waiting in line at McDonalds. Yes.

Do you want to know what happened yesterday? I bought a $40 dollar tub of eyelash cleaning pads that are supposed to make eyelash extensions last longer. And guess what....I didn't have enough cash in my beauty envelope to cover it.

I grabbed cash from another envelope to cover my full visit to the salon yesterday.

Yesterday I got home and my cash envelopes were a mess. I forgot to ask for receipts for two different purchases that I made, one of them Starbucks.

I had to try and remember what cash I used for what purchases. I was scrambling trying to update my expense tracker.

Do you know how I deal with days like today and yesterday? I go home, pull out my crazy cash envelopes, and I deal with it the best I can.

I clean up my envelopes, write down what I can remember, and start fresh with my paycheck on the 5th.

Life happens, you get busy, you forget to get receipts, you overspend. But you know what, it will be ok! You pick up your feet, and keep pushing forward.

Don't let small hiccups on your financial journey push you off track.

Today, it's a Big Mac (don't judge me) kind-of day.

I'm going to kill it tomorrow!
#budgetfail

How have I spent £392.39 in 5days??? 😭😭
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So I’ve just got back an totalled up my spends - we only went to Haven for 5days 🤦🏽‍♀️ This spend is made up of food, drink, activities. KILL ME NOW!! .
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I’m not even sure where the money came from. This is a ridiculous amount. I did say to my other half we should go Tesco before hand so we can cook and he was having none of it. Now I’ve told him how much we’ve spent he’s said ‘well we know for next time’ (more fool me for not being more assertive) 😡
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Now my big question is do I replenish the money Ive spent from my EF fund?? I’m total skint now and don’t get paid for another 3wks 😬
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#sendhelp #budgetfail #debtfreecommunity #debtfreejourney #daveramsey #wingingitmama #money #savingmoney

I N T E R E S T R A T E S
We thought we were doing the right thing. I was just about to go on maternity leave (With Max), I was stressing about $$ and thought that by just sticking with interest only repayments on our mortgage we would be better off financially while on mat leave. I also thought that as soon as I went back to work that I'd change it back to P and I repayments. .

I was wrong. .

After 1 month of being back at work we found out I was pregnant again! Once again keeping the interest only payments on the house "until I returned back to work". .

After 3 years on interest only I finally went to a mortgage broker to see about switching to P and I. Im so glad I did. I WISH ID DONE IT FRIGGEN SOONER!!! .

Almost no change to my repayments. But now I'm FINALLY paying off our home.... .

Completely kicking myself for another one of my stupid financial mistakes!

#finance #home #mortgage #interest #interestrates #ozdebtfreecommunity #ozdebtfreejourney #debtfreecommunity #debtfreejourney #budgeting #budgetfail #money

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