for a variety of reasons I won’t get into (most of which are quite boring). But one pretty big deal – I’ve decided that October will be my first earnest experiment with going cash-only. Yes, you read that right. After years of telling myself I didn’t need to and didn’t want to and wouldn’t benefit from it and it wouldn’t work anyway, I’m going to give it a try. We have been working really hard to nail down our budget the last few months, and making major headway on doing so. But I’m still experiencing weeks (more often than not) where I run out of money before I run out of week. That’s a planning failure; there’s no two ways about it. And it’s just too easy to whip out that debit card and hit the ATM and transfer the cash I need from one of our other sinking funds. It’s a habit I simply MUST break if I’m ever going to really truly accomplish the financial progress that we first learned three years ago. Yes, it’s been three years. Making these kinds of mistakes as we’re just starting FPU is understandable. Making them now is proof that I still have work to be done before I’m really the master of my spending. Hence, going cash-only.
So as of this Friday, when our financial October really begins, think of me filling my little envelopes (which I still have from class), and thinking “ok, this has to last me a week……….” Each Friday for October, I’ll be repeating that cycle. I’d be a liar if I claimed I wasn’t a bit intimidated by making this shift. But hey, it’s often good to shake things up and try something new now and then. So, wish me luck.