- Holiday season is over
- Next bank holiday is in April
- Your bank balance is down
- You’ve been paid before Christmas and spent everything before New Year
- You credit card debt has skyrocketed
- Energy bills / taxes / transportation expenses / VAT went up
- You’ve gained weight
- Almost everybody’s grumpy (and complaining to you)
- It’s ‘sales’ season (and the only thing you can do is window shop)
- Etc
However, when I turn my head and watch the snow falling outside I cannot but smile.
It’s so beautiful outside…
Heh. That's actually quite true. I use mint.com to track my spending, and whenever I log in now I see a new alert telling me that I've exceeded some budget or another.
ReplyDeleteFortunately I just refinanced my house so $2,000 or so was freed up for December and January. :-D Unfortunately I had to cut a check for $4,400 to refinance, lol. I'll get it back around February once property taxes are paid... stupid escrow accounts.
Amazing photo
ReplyDeletewe have only 1 credit card- used for emergency
ReplyDeletewe keep all receipts and consolidate our expenditures together
we cook our dinner every night
we save 60% from our salary for savings
darling. if u do these alone, u re happy men indeed. the reality check is " will u be able to do it?"
Great photo
ReplyDeleteawesome pic!
ReplyDeleteat least, for once in my life, i've lernt how to budget properly and I will still have money untill the end of Jan! yay for me.
Have a great day :)
@GJ Although you are in a differently league than mine, having a place of your own, you know what I mean…
ReplyDelete@StevieB & @NewLeaf Thanks, but I cannot take credit for it. It’s not mine (I’m sorry to say)
@Suf_n_Steve The answer to your question is negative. I don’t think I can do all these things. I’m trying thought but I’ve recently realised how expensive dating can be…
@wozzel I still have to reach that goal. I’m trying though. I’ll probably be eating dust bunnies until the end of the month…