Frugal Finance Friday: Week One

Well. Last week initially started off great.

Saturday I packed food for two meals, and coffee and water for a planned bike ride.

BUT. It turned into an entire day of activities with new friends that ended up at a pub. I spent more there than if I would’ve been purchasing street food throughout the day. So that clearly backfired in a financial way; but was absolutely glorious in an adventure-with-new-friends-all-day kind of way. I definitely spent too much, though: $50!! I haven’t even spent that much on my birthday dinners in the past few years! ((I left that number out until the very last moment before posting. It’s one of the only purchases I’ve made in the last year that I’m embarrassed about! Which is a good lesson!)) Next time I think I’ll leave my card at home and just take $10 cash as late night impulse purchases of $7 zucchini fritters is NOT in my current budget!

Sunday I spent ZERO. Putzed around the house.

Monday I spent $22 on groceries at Aldi and STUCK TO MY LIST. Usually I’ll visit a nearby grocery store for the few things that end up not in stock at Aldi, but I decided I’ll make it work without (potatoes, squash, onion).

Tuesday I spent ZERO. Day off from work; prepped my meals for the rest of the week. Thought about going paddle boarding since this is likely the last hot week of the year, but decided my $50 purchase on Saturday meant I’d pre-spent any fun money for the remainder of the week. I also declined going to a show with a friend for the same reason (also I’m old enough to not enjoy mornings after going out on a “school night”).

Wednesday I spent $46. I realized I’d forgotten to buy cat litter so stopped at Aldi and bought two jugs of litter and potatoes for $13. I had let my gas tank sit at near-empty in hopes of not driving until absolutely necessary, but was on call overnight Wednesday so filled up for $33. 

Thursday I spent $31. I had free biking plans with a group ride and made sure I ate at home first. Per Saturday’s lesson, I had cash to pay for an order of fries and a tip. A new friend asked if I wanted to meet up for happy hour beforehand, and I checked the menu online before leaving my house. When I arrived, my friend had ordered me a whiskey I particularly like that was definitely not on the happy hour menu so I spent a lot more than the $6 I’d planned. I’m glad I had my card on me after all to cover the charge and I’m glad I ate a good meal beforehand. I did stick to my french fry order at the end of the night.

Friday I will spend $0. I’m off work again today (slow week), and have nothing scheduled. Time to make coffee and start a pot of yogurt.

Total spending for the week: $149.

$68 for groceries/gasoline/household items and $81 for frivolity with friends. The latter number is what I most need to focus on – I think my new friendship is established enough now to start avoiding going out to diners and pubs. All my friends are lovely people who would certainly be accommodating if I flat out said I don’t want to spend any money but with new friends I’ve had it backfire a few times where they start offering to pay all the time, which isn’t the point. I feel ok about the why of my fun spending but am not ok with the dollar amount. But it gives me something very actionable to focus on for next week, right? Ha!

from vacation in PA last summer

Frugal plan for the coming week:

Weekend plans: I’m declining attending a performance by a visiting Indian dancer that is very highly regarded in the arts world. I’ve seen her once before and it was incredible. But I pre-spent the ticket price last Saturday and last night. I have yoga in the morning that is pre-paid and will avoid walking by the new location of my favorite neighborhood coffee shop to see if they’re open yet, ha.

I’m going to continue focusing on meal planning, eliminating pub/diner spending altogether for the rest of September, and bike to work.

I have plenty of yard work to keep me busy this weekend as well!

 

How has your week been?

 

Please follow and share my adventure!

2 thoughts on “Frugal Finance Friday: Week One”

  1. If I have my card on me when I go out to have a drink with the friends – 1 drink and I spend loosely. 2 drinks and I am usually buying appetizers. I am getting better at bringing a set amount of cash and spending that. But doesn’t always happen.
    Hey that is good you had your card on your that day with your fry purchase. Avoided an awkward situation.

    1. It’s a work in progress, for sure. My card currently gives 10% back on restaurants, too, so I have to remind myself that the math doesn’t work in my favor if I end up getting extra food/drinks!

Leave a Reply

Your email address will not be published. Required fields are marked *