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Life and Spending Update…

Last Updated: July 14, 2017 BY Michelle Schroeder-Gardner - 9 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

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I’m going to Los Angeles (Manhattan Beach) today for work.  I’ll be back on Monday morning (maybe Sunday night if I’m getting homesick).  I’m hoping that I’ll be able to go to the beach everyday after my meetings. Here’s to HOPING! The BF is going to come on Friday to spend the nights with me since my meetings will be over by 5pm everyday.  Me and the BF have pretty much no pictures together, and this time I’m making a promise to take some.

My spending has been good.  We’ve spent maybe $350 so far on food and going out/entertainment, which is really great for us.  All of our bills comes in at the very beginning on the month, so right now we are running low in cash.   We have money in savings and the emergency fund, but we like to not take anything out.  I’ve been wondering lately if I should somehow spread out all of my bills so that everything isn’t hitting in one day and I won’t get upset by the low amount of funds.

What does everyone else do? Do all of your bills hit at once or at different times during the month?

School has been ok, not great.  I’ve been super lazy with school this semester.  I can’t wait until I’m done, which is hopefully May of 2012 or August of 2012.  My classes have been completely boring me this semester, and I fight to stay awake. I was so excited about this semester because I thought I’d actually have interesting classes.

Wish me luck this week on my meetings! I get really nervous when I have to go on work trips.  I also get really homesick being all by myself.  I’ll of course still be posting new things everyday while on my trip, probably lots of posts everyday since I’ll be lonely.

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9 Comments
Filed Under: Budget Tagged With: Life, Savings, Spending

About Michelle Schroeder-Gardner

Michelle is the founder of Making Sense of Cents, a blog about personal finance and traveling. She discusses how her business has evolved in her side income series. She paid off $40,000 in student loans by the age of 24 mainly due to her freelancing side hustles. Click here to learn more about starting a blog!

Comments

  1. Live Simply- Live We says

    September 14, 2011 at 6:11 am

    Please go to the beach for me!!!!I am dying to get away, but it's not in the budget right now…so have a little fun on your work trip

    Reply
  2. Rafiki says

    September 14, 2011 at 7:47 am

    Sounds like it is going to be an awesome work trip. Especially the weekend. My bills have different due dates but I can pay them all at the same time or spread them out if need be. I usually switch depending on my situation at the moment.

    Reply
  3. BTHappyHomeowner says

    September 14, 2011 at 8:18 am

    Ooh, enjoy the beach! Sounds like my kind of work trip.My bills are pulled throughout the month: I have my mortgage, condo fee & 2 student loan payments go out on the 1st, then cell phone on the 9th, investment contributions to the Roth on the 15th, and the final student loan on the 20th. Utilities hit around the 22nd & 25th of each month. All savings contributions typically happen in the last week of each month.While this requires a heightened sense of tracking & organization, I do like that things are being pulled out of checking at different times throughout the month. This also helps keep my checking account balance/cushion between 2-5K (I don't include this $$ in my net worth calculations because it's always changing).

    Reply
  4. MW says

    September 14, 2011 at 9:51 am

    All my bills hit at the end of the month. (And by that, I really mean my rent and credit card bill, because that's all I've got.) It's not the worst system, but it definitely always leaves me a little broker than usual from the last day of the month until I get my next paycheque!

    Reply
  5. Stephanie says

    September 14, 2011 at 2:22 pm

    Jealous that you get to go to the beach!! The extent of my beach-going this year was an overnight trip to Ortley Beach, NJ this past weekend. :-POur bills are reasonably well spread out, there are basically two "waves" of bills each month. Our mortgage and most of our utility bills are due the first week of the month, student loans, car insurance and credit card bills are due the third week of the month. And for some random reason the cell phone bill is due the 28th of each month. So things are usually on a fairly even keel, except on months that we get hit by quarterly or bi-annual bills like sewer, garbage, internet or life insurance. All of those hit in August this year, which is the month we usually have the lowest cash flow, so that was a pain in the butt to deal with!

    Reply
  6. Jane says

    September 14, 2011 at 3:39 pm

    Well there sure are worse places to go for business:) I think you'll be mixing pleasure with business! Enjoy!

    Reply
  7. lil desiqua says

    September 15, 2011 at 7:18 am

    Have a great time at the beach!My bills are spread out. I have rent and transportation due the 1st, one student loan due the 9th, and cell phone/cable/and one other student loan due on the 15th. Being that I get paid every 2 weeks, this schedule works well.

    Reply
  8. Michelle P says

    September 15, 2011 at 6:40 pm

    Thanks everyone! I've only stayed at the hotel and ate across the street so far. I'm pretty boring today. Hopefully the beach tomorrow!

    Reply
  9. Renee says

    September 16, 2011 at 6:03 pm

    my bill are throughout the month. In the beginning of the month I have 2 student loans. In the middle of the money I have another student loan and CC. They use to all come at the beginning of the month and that just SUCKED!Have fun though! Hope you make it to the beach =)

    Reply

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My name is Michelle and I'm the author/owner of Making Sense of Cents. Learning how to save money and make more money changed my life. It allowed me to pay off $40,000 in student loans, start my own business, and I now travel full-time.

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