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Waiting For Payday . . . .

July 23rd, 2007 at 09:35 pm

I so hate it that it always comes down to the last few days and the last few dollars. Paycheck comes Wednesday and we have NOTHING until then. I mean, we are almost there and I'm grateful for that, but why are we always just squeaking by?

Is it really that we *need* to spend that much to keep things going or that we spend what we have? That's what I'm trying to figure out.

Had an awesome weekend visiting with various friends and we actually didn't spend much money. Nice feeling!

2 Responses to “Waiting For Payday . . . .”

  1. mbkonef Says:

    My DH gets paid every two weeks. I would pay all bills right away when we got each paycheck, put a bit towards emergency fund and then the rest was for incidentals during the time until the next pay. It seemed I always had more week than pay. Now I am trying to split his check in half, pay half the bills each week and use the rest for the weeks needs. Somehow when I have a smaller amount at the start (cause I have put half aside for the second week) I find that we suddenly "need" less - as in, I am just more careful about how I spend the remaining amount. Before, it felt like I had plenty the first week so I might tend to be less conservative (only $5 here, $10 there but it all adds up). I have only been doing this for about a month but I think it is helping me to spend less overall.

  2. disneysteve Says:

    "Is it really that we *need* to spend that much to keep things going or that we spend what we have? That's what I'm trying to figure out."

    Do you keep a spending log? If not, that's really the only way to answer this question. For a month, write down every penny you spend for absolutely anything. At the end of the month, sit down and review the log item by item and see what things were Wants and what things were Needs.

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