Well, the day I’ve been dreading is here. The November credit card bill came and as expected, we had quite a few non- compliance charges on there. We were doing really well in September and October, but Black Friday and the holiday season got the better of us this year.
Gas – $180. Road trip to CA.
Public Transport – $47. I get $30 reimburse though.
Pet Supplies – $58
Cell phone – $40
Internet – $30
Blog Expense – $55. Research for an upcoming guest post.
Home Depot – $13. Two halogen bulbs.
Target – $76. Multivitamins, Brita water filter stuffs, undershirts ($7.50)
Best Buy – $300. A new TV purchased on Black Friday weekend….
Macy – $117. See Epic Fail on Black Friday.
* We give ourselves $100 allowance each every week to spend on discretionary items: grocery, shoes, shows, dinners out, and whatever else we want.
The $417 Black Friday weekend consumer goods should have been purchased with our allowance saving. I piggy backed my $7.50 undershirt purchase with other household items from Target, and yes I was alone at Target that day. Things that we should have saved up for – total $424.50.
November 2010 compliance rating: 52%.
It’s an F this month.
We haven’t came up with a penalty system for a bad compliance-rated month yet. I guess we could save and have our allowance deducted, but that would suck…. Any suggestions readers? Let us have it, don’t hold back. What do you do when you blow a budget?
compliance rating = 100% – (what we should have paid with cash/total bill)
100% – ($424.50/$886)