October - a fresh new month with new paydays. A sudden influx of money into the empty bank account. A sigh of relief that we got through September with $80 leftover and immediately socked away in a spanking brand new Gifts account at ING Direct. The euphoria derived from a 4 digit bank balance and a clean and tidy budget spreadsheet.
I'm rich!! ...or so I thought... even after I filled in my budget sheet and found myself with $176 for miscellaneous spending until October 15th I felt confident in my ability to make it last. After all, I had just spent over a week successfully stretching out a measly $40! But over the course of a few hours I watched in horror as my $176 dwindled away:
- my service charges were $2 higher due to using a non-TDCanada Trust ATM - down to $174
- oops - my Line of Credit interest was higher than my projections - now down to $146
- paid $27 off on my $97 Visa balance - yikes, now down to $119
- withdrew $40 cash as my wallet was totally empty (spent my last $10 on supporting the Run for the Cure) - now down to a precariously low $79 but sure that the $40 would last me for at least a week so still feeling smug
- paid $8 to see a movie with a friend; afterall I should get a little pleasure from my freshly deposited paycheque (oh yes, and $6 for popcorn but $0 for a drink as I brought my own water) - feeling like I've handled things well so far
- went to Jambalaya after the movie to pick up partner who was working there over the dinner hour & succumbed to a huge helping of the best pad thai in town washed down with a Sleeman's Cream Ale
- CRAP - my share of the bill came to $26 - exactly what I had left in my wallet - there goes my $40
- now I have $0 in my wallet again and only $79 for the next two weeks.....oh dear.
- got my natural gas bill today and it was $28 less than what I had budgeted for it (thank God I haven't turned on the furnace yet!) so now my misc. money is up to a more respectable $107...sigh