I've always been a budget nerd. I enjoy seeing the numbers work and what that means I have the ability to do. But around the beginning of the summer we seemed to get into a good groove so I stopped obsessing over the budget. I just kept track in my head. That seemed to be working okay until last month. In August we had some unexpected car problems come up and I went a little (a lot) overboard on buying things for work. Somehow we ended up spending almost 10,000 in total! What gets me the most about that number is that I have no idea we had that kind of money to be able to take that kind of hit! Thankfully we don't do debt so that all came out of our account as cash. But, after that we were left with less than $100.
I have never gotten to such a low point with finances before so this hit me HARD! We now didn't have enough money to pay September's bills and zero savings. I panicked. Never ever ever again will I lose control over our finances! Stephen and I sat down and got on the same page. No spending on anything extra for a while. I say till at least the end of the year, we'll see if I can get him on board for that. Thankfully even though we started on September 1st with about $100 we got two paychecks that would get us to pay all of our bills on time. But, a lot of money I had saved from gifts had to go towards groceries.
We are out of the woods enough right now to feel comfortable looking at the month ahead that we will be able to pay all of our bills, but paying for a second car repair is still looking daunting. The biggest slap in the face to me was, if we had been intentional about our money we could have used a portion of that 10k for a fun trip and not unknown mystery purchases. If we are more diligent with our money we can do bigger and better things.
I know we are nearing the end of the month, but once it is truly over I will share a budget break down and how we are planning on getting out of this massive hole.