For those of you who may remember, my 2018 New Year’s Resolution was to curb my spending for the year. Well, in all honesty it was more my husband’s resolution than mine but I was on board. I mean, “Hello. My name is Lori and I spend too much at Kroger.” I’ll admit it.
I asked my husband on a scale of 1 to 10 how he thinks we did on our 2018 resolution. He told me he would need to review our budget spreadsheets for the year and let me know. I told him that was cheating and he HAD to just grade it without the research. He wasn’t happy but gave me a 7 out of 10. I was pleasantly surprised. I didn’t think I did that well. When I pushed and asked him how much money he thought we saved for the year (and he was more than welcome to consult his spreadsheets for that) he declined. Because he knows me. If he gives me a dollar amount, I am going to interpret that as a wide open invitation to go spend some of it.
One thing that I do not like from this resolution is going to the grocery store with my husband. He totally ruins it for me. Everytime. He has to go by the list. And if it isn’t on the list, we don’t get it. Which means I have to take the stupid time to stop and write “ice cream” on the list, get it and then cross it off. The most recent issue we had was when all the Christmas stuff was on sale (and when I say Christmas stuff I am most certainly referring to candy. I am still a bit miffed that I didn’t get my box of turtles for Christmas). Christmas clearance is by the milk. When I told Michael I would go get the milk, he told me he would and I could go get the cat litter. What? Seriously? He just looked at me. Stalemate. I knew he would win. Because deep down I know he is right. So in my petulant way I went to the pet aisle and got the most expensive cat litter they had.
But I knew I could do better. So I offered another step to my resolution. I would put myself on a weekly cash budget. And when it was gone, I was done. I was a little scared at how quickly my husband agreed to it. So then after some discussion, we added a few caveats:
- My gas tank had to be filled the same day I got my allowance.
- It would not include beer money (we live in a dry county and I work in a wet one. Hence I get to do the beer runs on my way home)
- I was not allowed to get cash back on the card during the week. (Damn. I was sure he wouldn’t think of that!)
- My allowance had to pay for all my expenses for the week: Starbucks, work stuff, lunches, gas and items from the grocery store unless they were ON THE LIST in which case my husband would buy them on his weekly grocery trip.
- If I wanted a mani-pedi, it would come from my allowance. I totally agreed to this one since I rarely get them.
- Post office expenses would come from my allowance. I did not like this one. It was enough of a chore just to go to the post office, much less have to use my money for it!
So we are going to continue our New Year’s Resolution for 2019. Effective Monday, January 7th. Which gives me time to run to Kroger to get a Starbucks and then shop the Christmas clearance.