Monday, Making Budget, barely

 Oh, the well laid plans.  Rhitter and I are both watching our perfectly composed yearly budgets, go down the drain.  It is always something.

But both of us are so much better off than we were years ago.  So, I am not going to let my budget buster derail me completely.  It may slow me down a bit, but it will not take away my perseverance.

Hubs has to have new hearing aids. He only has one left earpiece that is now working.  I want him to get the new hearing aids that hook to his cell phone by blue tooth, so he can turn them up and down according to where he is and what he is doing.  He has been dragging his feet as he knows that I will be the one to bear the cost of these, as I will have to work harder, and they will have to come out of the shop monies.

I also know that not hearing well leads to further problems with dementia.  I will not allow him to go without hearing, that is just cruel, and makes my life much harder.  He had an appointment this morning with the hearing aid doctor but had to cancel due to his now being sick with the same crud I had/have. We rescheduled for next week.  We have cussed and discussed this at length, and it is just one of those things that has to be done.  I have not figured out how I will do this, but I do know that the place that has always done his hearing aids will take payments with no interest and that is a blessing. I will just have to figure it out.  The shop will get busier, and I will have to strain the budget more.

I was able to sell 2 different things on facebook market place this weekend, bringing in 65.00 allowing me to just make my weekly savings goals by the skin of my teeth.  Well, I should not say that as I have enough to do my two-envelope challenge and I also have $50.00 from my save the $5 bill challenge.  It was a good week for 5's. SO I can add another $150.00 this week to our mortgage.  The $36 dollar challenge can wait until later in the week when I have more money.

Just because I have had a budget buster, does not mean I will dissolve my savings plans.  I have a bride coming in for a fitting at 2 today and I am sure she will pick up tomorrow, so I will be fine.  It is getting close to the time of the month where I need to have that $300.00 in the tax account, and I hope I am able to squeeze that out somehow.

This is all about balance, and right now mine is off, how do I get it back on?  Well one thing I know is to not panic.  That is the nice thing about my life right now, as there is no panic.  I lived through years of financial panic, and it is so nice to be at a stage that I can say this is a crappy, inconvenience, but not an all-out disaster.

I have my beans soaking for White chicken Chili, go me.  I did nothing this weekend but lay around and I mean lay.  I think I spent most of my time in bed, but I am feeling so much better today.

I have the Valentine things out and I just need to get everything situated. I have had two offers come in on my beaded ropes and both wanted them for pennies, and I said no.  I know they were resellars who wanted all of them to turn a profit, but I am selling them so they can turn a profit, right now they are just being greedy.  Someone will cave the closer it gets to the Holiday.

Where do you cut back when you get a budget buster?  Do you reduce payments, or savings?  Do you slash the grocery bill?  How do you do it?

Have a great and productive day staying positive while you are in the negative.

Kim