Looks like I had company sleeping over last night…….first buck I’ve seen in the yard. Fortunately my hostas and bird feeders survived the visit unscathed.
Overall, I’m a fiscally responsible type. I’ve always saved even if it was only a small amount, and as I’ve gotten older and my salary has increased - so has the percentage of income that I save.
And I have learned the difference between what I want and what I need, but I think that everyone needs a bit of both in their lives.
This year there have been a lot of unexpected expenses in my household. My savings habits (and a couple of happy accidents like a three paycheck month) have allowed me to absorb these challenges.
But I need to make a conscious effort to save more and spend less so that I can replenish my reserves and enjoy my “splurges” without guilt.
That’s why I’m trying DINT this month….Do I need this?
I’m going to track every time I pull my wallet out….and at the end, lets see how much of it I really needed - or even really wanted - and how much was excess fluff.
I pride myself on being good with my money - but I honestly have no idea what this month is going to show.
