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Yikes! September numbers

September 30th, 2005 at 11:21 am

Yesterday I caught up on recording my spending, and was finally able to run my September Everyday Expenses report in Quicken. (My September ran through September 24.) It was painful to see--I was $281 over what I'd planned.

OK, maybe the gas and food expenses for our day trip to the shore shouldn't be in there. Subtract $50. Maybe the money I spent on haircolor for the P&G rebate shouldn't be counted under groceries. Subtract $10. And maybe subtract the amount of money I'll be getting back on all the rebates I did, $68. That still leaves me $158 over budget. Not good.

Looking back, I know exactly why it happened. It's the same old reason--responding to marketing ploys that appeal to my bargain-hunter side.

I won that $100 in groceries, which sounds great. But I usually spend no more than $25 a week at that store because that's all the good deals I can usually find. I was forced to use the money in no more than two trips--they don't use plastic gift cards that get swiped, they'd have to rewrite a gift certificate each time you used a little. So I ended up buying things we didn't need yet, and things that weren't that great a deal, just to get the money spent. So I spent more than I normally would have.

Same problem with Stop and Shop. I had these $5 off $50 coupons--too good to pass up, right? But what if you have to stretch to find things that add up to that $50. I know I spent more there than I really needed to.

Rebates. If I ever mention doing rebates again, please somebody reach through the computer screen and give me a virtual whack on the head. It's just not worth the effort, compared to something like staying home and opening a bank account to get a bonus. Plus it makes me spend money on things I don't need yet, or things that aren't a great price, just to complete the rebate.

Entertainment Book coupons. They run out November 1, so I've been trying to get use out of them. But it's made me spent more money on take-out that I normally would have.

I'm revising my next two months' budgets to be $140 lower, to make up for the $280. It shouldn't be too bad considering what all we already have on hand.

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