It is the 21st of November and I am proud to say, I have tracked every penny I have spent. I think this may finally become a habit. So far, I had 8 no spend days which is very good.
I have realized that, now that I am tracking my expenses, I tend to be more careful with what I spend. If I reach for a "want" item rather than a "need" item, it makes me think twice.
Mom gave me some cash today. Apparently, I have done some shopping for her few weeks ago which I have completely forgotten. She is funny that way. Whenever I shop for her, she insists on paying. I think I can make the cash in my pocket last until the end of the month.
My sister and my BIL had unexpected expenses lately due to her MIL's situation so, I offered to make a double payment to them. The debt I have for the rental apartment was three parts. Since both of them are in banking they could get a better rate than I could for one part of that debt. So, they took out a loan and I pay them every month. My sister accepted that offer. I have also decided to close the smallest part of the three part loan so, hopefully by 11th of December, I will have shaved a very good portion of my debt.
I will post the numbers later on. Can't wait!
well done on tracking your money, it sure helps a lot.
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