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Cultivating a new habit

June 19th, 2008 at 12:00 pm

Web billpay has allowed me to put off some of my bills till the due date but I've decided today that I'm going to stop this habit.

Sure some of my payments are on auto-draft so I can't pay them as soon as they are due - but like for my gas bill, water bills, and all the other bills I've set up to pay via web but not set up on autodraft, I should do this.

So I went ahead and did that today with one of my bills. It wasn't due till 7/07 but if its in the bank, when I know I have to pay it anyway... I might as well just pay it and be done with it.

I used to be like that, don't know what changed that habit - but I've decided to go ahead and start doing it again.

I also refunded my Emergency Fund. The bank took it from my savings to avoid an overdraft I wasn't expecting (poor planning)... so I put the money back today. My goal was to not touch the EF for June... well actually my goal is to not touch the EF for a year (except for taking out $1500 in Sept to visit the in-laws)... so I blew that, but at least I re-funded it. Still yet, I'm not going to make a habit of it.

I've been feeling proud of myself for how I'm handling my spending while my hubby is away. Aside from paying bills, I've only spent $61.43 on groceries. And that has been since the 8th of this month, and now its the 19th. So I've had a lot of no-spend days.

DH hasn't been so lucky... or smart with his finances. He was given $54 per day for per diem. He said he's been trying to be mindful of what he spends but the places he's going the group he's with want to "eat out" a lot. So if he does that its $15 for dinner. He's staying at the hotel for breakfast and lunch & bought $50 worth of stuff for him to eat. And then when he tried to be cheap and hang out with a friend of his stationed where they are, his Chief called him all worried as if he had done something wrong.

So I don't know... the day my hubby hung out with his friend he did save money cause the rest of the group went tubing. I'm guessing we'll probably make off with $400 from this trip if DH does better to conserve.

I did warn him though and said "The money from your Texas and South America trip is what is going to pay for your trip to visit your family." So at least that gives him incentive cause otherwise we wouldn't have the money.

2 Responses to “Cultivating a new habit”

  1. creditcardfree Says:

    My DH is having the same problem on his 3 weeks in CA. That's where he spent $80 on his fish dinner...out with the guys. He's not even getting per diem as meals are provided while they are there. I don't even want to add up what he spent on pop, cigars (he can't smoke at home)and snacks.

  2. klbb90 Says:

    Wow, I'm impressed with the groceries. Thats less than $6 a day to feed 5 people. Okay ones an infant but they either cost in formula or additional calories for you to produce the formula.

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