One Month Challenge: Budget part 6

In the end it all comes to saying "no" and I'm terrible at that. I want to buy those cute shoes, or delicious grapes or pick up some chinese take away with a friend. It's Wednesday 18.7.2012 and there's 15,95 euros in the jar, in bank account 493,97 euros. All bills and loans paid.

After actually keeping track where my money goes I have to say food. And I don't think I even eat fancy food. I rarely have anything but butter on my bread, I don't eat lots of meat nor take away and I'm quite small so I don't eat much. And still. Though, yesterday I bought yogurt, walnut ice cream, potato chips and strawberries for watching Twin Peaks. I was feeling down since my grandmother passed away two night ago.

This was a very bad moment for budgeting for a month since I had lots of loans to pay and I ate often at T's place where he usually buys the food. Having a boyfriend has made me drink less but I eat out more often. Since he likes to take me out, it's okay but sometimes I feel it's just silly since we both can cook and he lives right next door all restaurants. It's not like we had to eat out. Something I need to learn, I think.

One Month Challenge: Budget part 5

Wednesday 11.7.2012 bank account has 1,77 euros, the jar 0,20 euros. I feel tired all the time and I think I might be lacking vitamins and what not. Also, had to give up coffee for tea since I can't afford milk. Went to the market today with 5,90 euros. Came back with two days worth of pasta and sauce, two days worth french fries, can of tuna (going to stuff baked potatoes) and two packages of rye bread. Oh please come monday already, I'm starting to hate pasta. And eggs. French fries soon too. And pea soup. Bleh. Next update will be the last one about me not being able to budget.

One Month Challenge: Budget part 4

I was supposed to get around 220 euros on monday to support living. Didn't. I got little over 6 euros.
So, had to loan some more money from Antti, who has turned out to be my personal bank and I feel crappy about it. He loaned me 50 euros for two weeks so I won't starve and so on. Also, I was working last night and got little over 12 euros as tips. It's Tuesday 3.7.2012 and there's 6,77 euros in my bank account. 44,25 euros in the jar. By the way, the peanutbutter cookies were good. Make them. (cool staircase from Ts place)

3 euros for pizza I split
12,71 euros for food that I didn't need (soy milk, chiligouda, salad, peaches)
3 euros stashed for night bus just in case

Basically what I do whenever I get little money: I check the cupboard to see if there is any food (can of pea soup and bad of mushroom risotto, three tiny breads and one hamburger at the moment) I'll count the days till next paycheck and left out days I have food for (in this case for two days and on thursday I can eat for free at work). Then I just divide the money with the amount of days to get some sense of how cheap I need to buy. Daily money is around 4 euros now which is more than I have had in months really. This means I can buy meat occasionally and breakfast too.  But I should color my hair, which drops the daily money to 3 euros, oh well. Thanks to my friend Robin I was introduced to this personal finance software: http://www.thebirdy.com. I have been using it only for five days now, so not much to show to you yet.

One Month Challenge: Budget part 3

It is amazing how bad I am at saving money. Thursday 28.6.2012 I have 0,29 euros in my account and jar has 2,50 euros. Er...I'll get money on monday next time. My parents are coming to visit today and since I don't have money to buy anything to go with coffee I baked these peanutbutter cookies I hope they will eat. 

So where did all that money go? I haven't kept as good track as I did last time, but I paid off my 100 euro loan to Antti and some bills. And then I bought food and beer. I have been feeding besides me one hungry man, so this explains little, though I eat at his place now and then too. Soo...

100 euros for Antti
44 euros for buscard
64 euros for electricity bill
12 euros for two pairs of shoes
and then some food and beer in the bar

Actually, without the loan and electricity bill that comes rarely I would have made it quite nice. I haven't had to give up anything I would have needed, though I did buy cheapest deodorant and eat a lot of pasta. Four days to go and I don't have any breakfast. I could make bread again but I don't really feel like it. I have food for those four days luckily. (pasta with mushrooms, pasta with creamy sauce, pea soup and mushroom risotto) Today I actually ate already mushroom omelette. I don't feel like eating any more mushrooms for a while. Also, I'm working friday and saturday night and can afford only one nightfare to bus if I don't buy breakfast. The man I'm seeing is not going to be in the city so I can't sleep at his place (since he lives right next door my work place) so I have to walk home after work (3,5km)  at least once. It's not a big deal but not something you would like to do in the early hours of the morning after busy day at work.

One Month Challenge: Budget part 2

Soo...this is not going well. I got money yesterday and went little crazy with it. Spend almost all of my weekly budget already and it's tuesday! Tuesday 19.6.2012 my bank account has 256,30 euros. The jar has 8,60 euros in it. However, I did pay all my bills and paid loans too and I bought food and breakfast for couple days. This is where my money went since last update:

54 euros for paying back loaned money
56,30 for phone bill
4,90 for soap
7,95 for clothes
17,15 for food
30,50 for beer
342 euros for rent and sauna

One Month Challenge: Budget

So I was browsing this weirdish and yet entertaining site called collegecandy.com and there was lots of challenges, which I love. Well, to be exact I love documenting and challenge gives me a perfect reason to document. Also, I'm running out of money all the time, therefore Budget Challenge! I have this jar, where I put my weeks worth of food money every monday. No loaning, no adding any money before next monday. In here I will document who I manage to keep up with this and where goes most of my money since I don't go shopping very often. Every month I get some money to support living and my pay check comes twice a month, but I don't have lots of shifts right now.

Friday 15.6.2012 My bank account has 0,97 euros. The jar has 7,40 euros in it. I have some empty bottles waiting to be returned and food for couple days in the pantry. I'm running out of hand soap and tomorrow there's a gig I really want to attend. The gig itself is free but I would like to drink couple beers.