- Every day for the next 5 days, pack a lunch. If I am not eating breakfast or lunch from home during the work week, then I need to pack one. It’s a super helpful way to keep me in this new-reduced food & household budget of mine.
- Keep it frugal. While my days are filled with a series frugal moves like meal prepping, menu planning and more. It’s here I will give intention to something done frugal during the week.
- Pay with cash. Envelopes, clips or debit. This was a good move on my part to start using the cash envelope system. It’s been super helpful to keep the budget and I am having fun picking out new paper every month to craft with. I’ve now bought money clips to try out as they will fit better in my wallet. If in budget, using the debit card is okay too. But it’s seldom it even comes out of my wallet now.
- Healthy habits. In the bowl (pick 2 per week): Walk 3 times a week, meditate 2 times a week, hike a trail (as I miss the dirt), run a trail, eat a healthy meal full of complex carbs, or do some yoga. The benefits gained all these things have proved its worth in the past. But keeping the habits up is another story. Try, try again! My goal is to just get to it – with no distance in mind and no time limits.
- Read – both a mix of fiction and non-fiction. I am a self help addict when I do read. My goal is to widen my horizon. Let me know your favorite reads!
The burritos have been working out quite well. Prepped. Threw them in the freezer. When needed, microwave almost 1 minute on each side and I have a nice hot breakfast.
Stocking up on:
- Frozen veggies
2019 Budget (first – half of the year)
- House & Utilities: $2,031
- Food & Household: $400
- Transportation Fuel & Oil Changes: $230
- Everything Else: $137
- Debt: $1,535
- Travel Anticipated: $640
- Sinking Funds: $200
- Travel Debit Savings. “What’s Due” related expenses – like hotel payment, transport, spending, etc… I opened a checking account with no foreign transactions fees or monthly fees and am now transferring my travel savings into that account. Currently transferring $640/m to the account to cover anticipated expenses. Traveling by debit card.
- Stay the Plan. I plan to catch up on scheduled snowball payments in February ($2,900), then on calendar is to snowball $200/m from February to June, snowball $850 from June to December.
- Put $1,000/m in my 401k. My goal to retire by 60 with $600k is to put $1,000 month into my 401k. This doesn’t account for my employer’s contributions. So I’ll use employer’s contributions to cover inflation that I didn’t take into account when I made this goal.
- Emergency Fund. Keep the emergency fund for emergencies and keep padding it when possible. The EF is not to be used for the nice linen dress I found on Etsy. Current balance: $500.