The Damsel Money Diaries – Week 4

The Damsel Money Diaries - Week 4

This is my last week of my money diaries series! And while I must say this experience has been eye-opening for me, tracking every cent every single day can be tiresome.  But it has made me more aware of where my money is going.

If you are just beginning this series, make sure to catch up on parts one, two and three.

livingexpenses

MONDAY

8:30 a.m. – Ashton and I woke up early so we could run some errands before we go over to my aunt’s place for July 4th. I ate an English muffin and a banana for breakfast with some coffee.

10 a.m. – Ashton and I drive into Pensacola. We stop in TJ Maxx and I buy a cool picture frame for my room, a bag of quinoa puffs and two big bags for hauling groceries. $13.29

We go to Marshall’s and I buy some lotion I’m obsessed with, a beauty blender and an exfoliator scrub. $21.47

We then stop in one of my favorite places in the whole world—Fresh Market, and I buy groceries. I sip some coffee while shopping (that FM makes in-house), red lentil hummus, bell peppers, chickpea snacks, mushrooms, spring mix, strawberries, apples, bananas, peaches, parsley, mangoes, green beans, raspberry jam and whole-grain mustard. $50.56

12:30 p.m. – We get back to my parent’s house and head to my aunt’s house for hotdogs and hamburgers. We spend the afternoon there eating and having family time. Ashton and I have to drive back to Hattiesburg that night because he has to work in the morning.

5 p.m. – We mosey on back to the house. We don’t want to leave! We pack our things and head out.

7:30 p.m. – Get back to Hattiesburg and we stop at Jimmy John’s for dinner. Ashton pays.

Total spent: $85.32

TUESDAY

8:30 a.m. – Woke up and had coffee and eggs and toast for breakfast.

Went straight to Target for some items I forgot to get yesterday. I bought frozen shrimp, tomatoes, cucumber, flatbreads, natural pasta sauce, sugar, shredded cheese, a desk calendar for work and three other items. $40.42

11:30 a.m. – I went ahead and made some garlic butter green beans for the week. I thaw out some vegetarian lasagna that I’ve had in the freezer. I also make a veggie flatbread for lunch. I eat that with some chips and salsa. I check my bank account and see that our rent and water bill has gone through. $800.92 (I pay half of this, so $400.46)

2 p.m. – Head to work. It’s back to the daily grind.

6:30 p.m. – Ate vegetarian lasagna with green beans for dinner.

Total spent: $440.88

WEDNESDAY

8 a.m. – Woke up and had toast and fruit for breakfast with coffee.

10 a.m. – I head to power yoga and sweat a lot!

11:15 a.m. – I come back and my mom texts me that’s she going to take $25 out of my account for yoga this month.

11:30 a.m. – I ate the rest of the flatbread with a salad for lunch, while I watch the news.

6:30 p.m. – I had shrimp, veggies and quinoa for dinner.

10:30 p.m. – I get home and go to bed early because I have to get up in the morning to get my car serviced after last weekend’s mini-breakdown.

Total spent: $25

THURSDAY

8:30 a.m. – Spend two hours at the Chevy dealer waiting to get my car fixed. I bring my laptop, books and a cup of coffee.

10:30 a.m. – Great news! My car is fixed. Something was wrong with the engine, apparently. The repairs were under warranty so I didn’t have to pay anything. Phew!

10:45 a.m. – I decided to stop and get my car washed and cleaned the inside with the outdoor vacuums. $3

11 a.m. – I then stopped by the Shell station and filled up my tank. $20

11:30 a.m. – I get back to my apartment and start getting ready for work. I’m meeting a co-worker for lunch at our favorite Sushi place, Sake Cafe.

12:30 p.m. – Meet my coworker for lunch. We order hot green tea and I order a Bento Box, which a lunch special that includes different types of sushi, soup, salad and fried rice. Yum! $15.15

1:30 p.m. – I stop at CVS and grab a few items and a Starbucks iced coffee before work. $8.25 

6:30 p.m. – Eat vegetarian lasagna with green beans for dinner again.

10:30 p.m. – Get home and Ashton comes over. We get hooked on BBC documentary about Africa and its wildlife.

Total spent: $46.40

FRIDAY

9 a.m. – Wake up and have toast with some eggs and coffee for breakfast. My breakfast game has not been on point lately… I skip yoga because I stayed up too late last night. I lounge around and read for the rest of the morning.

12 p.m. – Eat leftovers for lunch and get ready for work. Today has been pretty mundane…

6:30 p.m. – I eat shrimp, veggies and quinoa for dinner.

Total spent: $0

SATURDAY

8:30 a.m. – I wake up pretty early for a Saturday. It sometimes seems impossible to sleep in anymore! I make avocado toast with a fried egg on top for breakfast. I read and browse the web on my computer for most of the morning.

11:30 a.m. – Leave the apartment and head downtown. I stop by this cool pop-up antique shop, The Lucky Rabbit, that opens the first weekend of every month. I find a unique wooden sign for my bedroom and a birthday present for my mom. $41.20

12 p.m. – I head to my favorite coffee shop just a few block away. I order a brie grilled cheese, tomato and cucumber salad and a sweet tea for lunch. I eat upstairs in the loft and read for awhile. Such a relaxing day so far! $11.81

12:30 p.m. I make my way back to the Lucky Rabbit. All through lunch, I was thinking about this clothing item that I tried on. Turns out that I still want it. The pop-up shop has select Free People items for 50 percent off! It’s insane, so I get this beautiful white blouse. $52.43 Guess who is broke until payday?

2 p.m. – I take a long nap and then read all afternoon. I read two or three books at a time and Saturdays is usually when I catch up on it all. Usually, it’s one fiction book and one or two inspirational books. I eat some chips and salsa for a snack.

5:30 p.m. – I eat the rest of my grilled cheese with a salad for dinner and watch The Longest Ride  on HBO. I shed some tears. It’s been a long week.

7:30 p.m. – Ashton comes over and we watch TV before we head to the movies tonight to see the new Tarzan movie!

9:50 p.m. – We get to the movies and Ashton is generous enough to buy the tickets and popcorn, drinks and candy.

Total spent: $105.44

SUNDAY

8:30 a.m. – I woke up and got ready for Bible study.

10:30 a.m. – Finish Bible study and decide not to go to church because I don’t feel well.

12 p.m. – I come home and have some leftovers for lunch and lay down for awhile.

2 p.m. – I go to the grocery store to grab a few items for the week. I’m going to go again when I get paid on Tuesday. I buy instant steel cut oats, chickpeas, black beans, baby carrots, bananas, 3 sweet potatoes, 4 apples and shredded mozzarella cheese. $16.22

2:30 p.m. – I spend the afternoon cleaning the apartment and washing my bed sheets and towels. I check my bank account and see that Southern Living magazine has charged me $21.50 for my subscription.

6 p.m. – Head to my hot yoga class and probably sweat more than I ever have in my life.

7:15 p.m. – Get back and take a hot shower. Make a sweet potato power bowl for dinner with black beans, chickpeas, avocado, cheese, cilantro and sour cream. I watch another movie on HBO.

Total spent: $37.72


Total spent this week: $740.76

Week breakdown:

Groceries: $107.20

Dining out: $35.21

Gas: $23

Toiletries: $21.75

Shopping: $106.92

Rent/utilities: $400.46

Other: $46.60

What I’ve learned for the past four weeks: Considering that I had to pay rent this week, I think I did pretty well overall. I did splurge on some shopping items, but I don’t feel about it because I am saving money at the same time. I don’t believe we should spend out of our means, but we have to enjoy life a little ya’ll! One thing I should improve on is saving cash in a rainy day fund. It’s always smart to have some cash stowed away for emergencies or a spontaneous weekend trip. 🙂

Counting every cent throughout the week was challenging for me! Sometimes I would almost forget to add a charge here and there. But it was a great learning experience for me because I’m one of those people that try to justify every purchase I make. And sometimes, I know I shouldn’t buy an item just because it’s cute. So this series helped me get past those bad habits!

I hope this series encourages you to track your spending for at least one month!

 


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4 Comments

  • Allison

    July 22, 2016

    I love these posts. As someone who is just beginning to focus on budgeting, I’ve found this series super helpful! Thanks! 🙂

    Reply
  • Elizabeth Mayberry

    July 29, 2016

    I love that top photo! So stunning! You’ve got skills!

    Reply
  • Rachel G

    July 30, 2016

    We work our budget by deducting everything we spend from different line items–it takes some getting used to, but honestly, after years of doing it, it’s automatic to just remember what’s spent each day and record it. I love the system because at a glance I know exactly how we’re doing for each month!

    Reply
    • Kathryn

      August 1, 2016

      That’s awesome Rachel! I know, after awhile it becomes a good habit for sure!

      Reply

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