I'm still tracking my actual expenses with YNAB and they have been increasing. Last month, I spent 11% over budget. I overspent in just about every category except eating out. I went over in the basics like groceries and gasoline, as well as gifts, miscellaneous and house projects. With the increase in my spending came a corresponding decrease in debt repayment. It feels a little like my spending is out of control--things like AP test fees, doctor bills.
I'm starting to see that my beginning budget was not very realistic about unexpected expenses.
I hope the sun shines soon!
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Redroyalbet
2 days ago
4 comments:
The beauty of a budget is that it is not set in stone but rather a work in progress. Most professionals say it takes at least 6 months to get an accurate read on regular expenses to get a functional budget. You can do it!!
April was a huge budget buster for me! YNAB became obsolete for that month...I need to get back on track for sure!
The sun came out today! (at least for a short while!) :)
Bummer! You will have that though --- just move things around until you find it works for you! or monthly as your needs change! That is what I have been doing lately - just working a monthly budget (all revised at the beginning of the month)
You can do it!!!
Tis all a journey. It seems a few of us have 'slacked' on our journey. But, I am beginning once again to feel energized.
Least you realize where you are overbudget and what is causing it. That's half the battle. ;)
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