Tap, tap, tap, tap, tap…

It’s that time of the month again (no, not that time of the month…) when I obsessively check my tabulation and my bank account to see if I’m going to make it in the black or red this month. Who needs sports when you have edge-of-your-seat personal finance?

This month is looking good. The last income has come in, so now it’s just a matter of defense—holding on to that tiny lead of income over expenditures. I have only four more days of the month, and plenty of food in the apartment, no upcoming derby costs, so it should be a breeze to sweep into November on a positive income.

But! That is just the kind of confidence that gets sports teams in trouble (so I have read). It’s easy to imagine a last minute Halloween expenditure eating away at my meager victory, or a certain tempting t-shirt, or some decadent, sweet treat. Stay strong!

But really, the game is in the bag this month (famous last words of a Wildcat) and I want to get on to November. New challenges! New income! New goals! New glory! One of the great things about tracking my spending on a monthly basis is that every month is a chance to start fresh. Every month is another hurdle. And over time, a pattern emerges and learning happens.

Plus, I want to get to the part where I celebrate and am proud of myself! I want to add to my graph and see the blue line inch up over the red line for the first time in a few months!

It’s hard to believe that I have been tracking my income and my expenses for ten months now, almost a whole year, and it’s interesting to see what’s changed. My income has gone down, but my spending has gone down proportionally as well. I can’t wait to see the final results at the end of the year—the grand tally!

In the meantime, I’ll just wait for November 1st and try not to spend any money.

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