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Still here

October 16th, 2015 at 08:33 pm

I'm still lurking around, trying to be frugal and sending little extra payments to the student loans and Roth IRA when there is a surplus in a budget category. So far I've contributed about $1000 to retirement and paid about $4500 extra on the highest interest loan this year. Currently floating a lot of money from the checking account buffer for some work expenses and a big joint wedding gift that a few of us went in on for a close friend. I know this will be reimbursed in the future (very reliable friends, and have done this for work before), but it sure makes my current balance lower than usual!

One area with potential for a lot of improvement is buying food and coffee at work, or on the way to work. I don't go "out" to eat at lunch often, but if I don’t plan and cook ahead I’ll pick up a frozen burrito or a microwave noodle bowl for lunch on the way in, which adds up to a lot of little purchases. Today I managed to eat breakfast at home, brought teabags to make tea at work for free, got a free sandwich at a catered lunch meeting, and resisted buying coffee there. For dinner I rescued the last 1/3 of a wilting green cabbage and some leftover noodles to make haluski.

I also picked up a small one-time side job with the potential to earn maybe $100 or so. Little extra boosts to the budget help me feel like I'm getting somewhere!

5 Responses to “Still here”

  1. VS_ozgirl Says:

    Great work with the one time job, every little bit counts!

  2. CB in the City Says:

    Little things count! Good work!

  3. creditcardfree Says:

    Yes, the extra income does feel better doesn't it?

  4. Ima saver Says:

    Lunches out really do add up. My husband has brown bagged his lunch all his life, but his workers go out to eat every day. Then they wonder why they can't pay their bills? He takes his own hot tea (hot chocolate) every day too.

  5. rob62521 Says:

    You have the right idea: plan your food so you don't have to purchase stuff you are sorry for afterwards. That extra income helps, doesn't it?

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