Why is it that nothing ever goes to plan? I'd expected January to be a minimum spend month. Christmas is over, everything to be paid this month was planned for and I had few needs.
Except I have to buy a car. This is a major headache. I need a specialised vehicle and can't just spend a tedious afternoon trawling local forecourts. Instead I have to travel considerable distances to view used wheelchair accessible vehicles. This costs money. I always have my cars professionally inspected before I buy. That costs even more money. And although I got a fair settlement from my insurers I decided that it would be sensible to buy something a little newer so that has cost money too. Grr.
But Grr isn't enough. I have to trim my spending, maybe delay a couple of things, look for extra cash wherever I can so that I can rebuild my reserves.
So this month I'm being super careful.
My first target is grocery spending so today I've decided to make bread instead of buying it.
My subscriptions to three organisations are due this month but they could be delayed until February. I'm normally very well on time but this year subscriptions will have to wait a month.
And I've decided to make a tinned goods list to encourage me to use a few more of those.