OMG! In spite of $708 worth of vet bills, I’m still in the black this month!
How did this marvel happen?
Because I was frugal and stayed out of Costco, I ended up $75 in the black for the first week of this month’s billing cycle.
The following week I was $283 in the hole against that week’s $375 budget, leaving $92 to live on in the cycle’s third week. However, when I carried the first week’s $75 forward into the third week, it gave me $167 for that week. By keeping a grip on spending and returning a couple of items to Costco, I came out $33 in the black at the end of the third week. Carrying forward again meant I started the fourth week with $408.
The second giant vet bill struck in the fourth week, which is this week-it ends on the 20th. However, so far this week I’ve only had two expenditures above and beyond the second vet bill. So I have $23.57 to last for four days: until Wednesday morning.
The car still has a third of a tank of gas. One trip to the office takes a quarter of a tank. If I telecommute on Tuesday and leave my car in the garage today, Saturday, Sunday, and next Tuesday, I shouldn’t need to buy more gas.
I’ve got plenty of groceries to last for four days.
So, barring a catastrophe, not only am I not headed for bankruptcy, I actually may make it to the end of this billing cycle in the black! The checking account used to pay these charges has a $500 cushion, so even if I go a few bucks over budget, my credit card payments won’t bounce.
Whew! Thank goodness for penny-pinching habits! No snowflakes this month, but no meltdown, either.