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My year now has 13 months

August 6th, 2005 at 05:24 am

Hi, back again. I've taken some time off from thinking about money (and other things) so much. I've read lots of books, watched lots of videos, got to a park by a river, and planted some flowers. Our budget situation is still in limbo, but I'm not so tied up in knots about it now. Keeping busy to keep my mind occupied seems to be working, just like you might try to keep busy while waiting for news about a job or medical test results. I just wish I could remember that and start in sooner each time a situation like this comes up, before my mood starts to slip. Thanks for your kind comments last week.

Now about my 13 month year. I'm tired of situations like last weekend. It was the end of July, and I had enough grocery money left in the budget to pick up a few things like bread and milk. I would have succeeded in making it through the end of July on budget, but to keep strictly to it I'd have to wait til August 1, a Monday, to do a normal weekly shopping. But that would have been darned inconvenient because of my work schedule on Mondays.

It felt like a lose-lose situation. If I did a week's worth of shopping on Saturday, I'd have done something wrong because I went over budget for July. But if I didn't, I'd have done something wrong because I messed up my schedule and menus for the coming week.

I'm tired of trying to stretch the same amount of money during 31-day months as 28-day months. I'm tired of having to refigure my gas money because I have to buy it 5 times instead of 4. I'm tired of having to figure out if it's a month I need to go to Petsmart 3 times instead of 2. Then there's our take-out budget. We get pizzas on Tuesdays because they're only $6 that day. What if there are 5 Tuesdays in a month? It's driving me bonkers!

So from now on, I'm going to figure my Everyday Expenses budget for a 4-week "month" no matter what the calendar says. It will always start on a Sunday and end on a Saturday. So my "August" is running from July 31 to August 27. 52 weeks in a year, divided into 4-week segments--and Voila! there are 13 "months." That way I'll be able to do my main shopping on the same day each week, and have the same amount to spend each and every week and "month." I really want more predictability and routine in my financial life, and I think this will help.

3 Responses to “My year now has 13 months”

  1. Anonymous Says:

    Great idea! I have the same problem with our allowances. Each week, hubby gets $60 and I get $40 or $60 depending on what's going on. We usually get them on Sunday so we have money for the week to buy lunch, etc. But if a month has 5 Sundays instead of 4, that's an extra $100 or so coming out of my checkbook! I know it all comes out in the wash, but it's disappointing to see that I'm over one month, even though I'll be under the next. Let us know how this new idea works...

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