Sunday, November 25, 2012

November Budget


I'm going to go ahead and credit this image to Hyperbole and a Half, because even though it technically isn't, we all know it is.

November Budget
White jeans (Victoria's Secret via eBay, seen here & here & here & here & here) : 30.00
Plaid pants (Target, seen here & here) : 27.99
Fur vest (CoffeeShop via jcpenney) : 50.00
Burgundy leather skirt (Worthington via jcpenney, seen here) : 26.00
Black sweater (Target) : 18.00
Red v-neck sweater (Target) : 18.00
Purple glitter boucle skirt (Marshall's) : 26.00
Brown tweed and leather skirt (Marshall's) : 16.00
Burgundy ombre jeans (Marshall's) : 26.00
Navy tweed skirt (Target) : 22.99
Leopard ankle pants (Target) : 27.99
Fur snood (Target) : 19.99
Bracelets (Target) : 3 for 15.00
Dalmatian print scarf (Target) : 10.50
Python pencil skirt (INC via eBay) : 30.00
Tulle skirt (eBay) : 15.00

Total = $323.46
(minus a $38.50 Marshall's giftcard and the probable return of the red sweater)

So besides the fact that a shopping ban while on 30 for 30 is optional, I was also working with a self-imposed budget of $150/month. This means that I've successfully blown through November and December. It didn't help that I did some stress shopping when I should have been studying, and it didn't help that I went home for a few days, because my mom and I can spend dolladollabillz like nobody's business.

Part of my motivation in starting this blog was to do better with money. Looks like part of that is being embarrassingly honest about how BRUTALLY AWFUL I am at it right now! At least I'm not a failwhale without a plan: I'm stripping December's budget (Christmas is coming, this should not be hard) and decreasing January's to $125 to deal with my splurge. I downloaded the CashFlow app to help keep track of purchases as they happen, and I am staying the hell away from Target. Do you guys have any tips that help you stay within your budget?

Thanks to Franziska for hosting a Budgeting Bloggers link-up. Looking forward to my monthly virtual shopaholics anonymous meetings :)

16 comments

  1. Target is a TRAP! Such a dangerous place. :) My hubby and I use the Dave Ramsey envelope system to stay on track. Although I occasionally blow right through my fun money and shopping envelopes, this system keeps me honest most of the time. Good luck!

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    1. Is that the all cash thing I've heard about? I've been thinking about it more and more... hard to overspend when you leave all your cards at home and have only cash! The only thing is, I sometimes like to buy more than I intend to keep, take it home, try it on with things I already have, then return whatever doesn't work, so the cash thing would put a kink in that. But it's probably worth it not to feel so guilty!

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  2. There's an app for the envelope system I use. We don't do this for everything, but I do have my play money for the month, I need to keep track if and I also record what goes on my credit card (which is paid off monthly) that way I know what other general things I've charged. It's too easy to lose track with out recording purchases. Way to be so up front about your spending. I think blogging can actually make it harder, because I see so many cute looks I want to recreate.
    Ginny
    mynewfavoriteoutfit.blogspot.com

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    1. My credit card is the problem. I'm paying it off in January and dropping it like a hot rock! I'm just not responsible enough. Blogging has made it easier and harder for me, because the 30 for 30 really makes working with what I have so fun... but seeing all these outfits where I just need "one more piece" is such a trap. That, and Pinterest!

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  3. seriously, everything you said I could have said. I was so embarrassed typing up when I spent this month because I feel blogging is supposed to hold me pretty accountable, but then I was like "whoops, too bad, buy all the things" (which my boyfriend says I say way too often haha). That being said, I can't wait to see all of the things you purchased and as long as you love them heaps, its not money wasted :)

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    1. So far, I've worn the heck out of the stuff I bought in the beginning of the month (for 30x30 replacement things) but the majority of my shopping has come in the last week or two. It's not like enough to bankrupt me or anything, but it definitely makes me feel a little queasy and so, so guilty. I can't handle the guilt!! Haha. I love that you host this thing - I need to be kept accountable.

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  4. I love hyperbole and a half! I can't wait to see all these things, especially the skirts you mentioned

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    1. I KNOW! I'm so sad she stopped posting - it was literally the first blog I ever followed. I still go back and laugh my ass off at her archives when I need some funny in my life. The Alot kills me.

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  5. Mint is a really great app for tracking spending, setting goals and getting alerts when you're close to you're determined limit

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    1. I love the IDEA of Mint, but it gets all wonky because I transfer money between accounts and it gets all confused and says I'm negative when I'm not. I'm probably doing something wrong. I'd love if it worked!

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  6. Hahaha that picture is hilarious! And yet so true. I'm so glad I've discovered your blog! I'm also at law school, so it's great finding someone else going through the same thing haha :)

    Life etc

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    1. Finding other almost-lawyer bloggers is maybe one of my favorite things ever :) ERGO you are one of my favorite things ever. Too soon? Too soon.

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  7. Last year, I unsubscribed from all retail emails to avoid temptation. Somehow, I've subscribed to new ones. Opps!

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    1. Now THAT is brilliant. I swear to you, I get like 20 a day... all more tempting than the next...

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  8. You are my favorite person ever:
    1. I am obsessed with hyperbole and a half
    2. I am the best at making plans, and then sucking at them just as fast
    3. look at all that GREAT STUFF you gots lady friend (that leather pencil skirt is DREAMY, and I am imagining fabulous things about the purple glitter skirt too!)
    4. Despite what happened this month, you can get back on the horse, and you will have all of these pretties to tide you over
    5. Target, Pinterest, and Olivia Palermo are the reasons I blow my budget (I see OP on Pinterest then go to Target to recreate the look ... incase you weren't putting those pieces together)
    6. Is it bad that you are making me want to shop #enabler

    haha - I actually did manage to not shop during my 30X30, and I should probably abstain next month as well and take care of that old credit card balance once and for all!
    xx

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    1. I've decided 2013 is the year of no more credit cards. We can do it!! And enable each other maybe just a little. ;) Target and Pinterest and OP may as well just take all my cash, they're the reason I spend it. I can't decide if this means you and I should be permanently attached at the hip or barred from speaking. Could be dangerous!!

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