Lately I’ve been dreaming of the lotto again–a sudden radical leap to the finish line of financial independence with zero effort, zero waiting, and zero control. Like the hare, I want a quick and easy victory, a gift from the universe.
Reality is more like the tortoise. No great leap forward, not even $1,000 saved this month, but another $417 set aside like last month. Another step on the way to $5,000 saved this year, $25K in five years. Not fast, not exciting, but steady and boring. It could be worse.
September’s Final Numbers
Total Income: $2,664.71
Total Spending: $2,135.12
I wasn’t as careful about tracking my spending in September as in August. I was surprised to tally up how much I spent in restaurants this month when if you’d asked me yesterday, I would have said that I’d hardly eaten out at all. Restaurant meals so easily forgotten probably weren’t worth the price.
I look at the individual totals and see big exceptions. I bought a bike. I finally paid for my bridesmaid dress. It’s easy to say if it hadn’t been for those purchases, I could have saved $1,000 this month, so theoretically I should be able to save $1,000 next month. But, every month sees big exceptions. Next month my membership with the Clinton 2030 Foundation (tax deductible! still regrettable!) is due, an unusual $230 I already know is coming. There’s H’s wedding and my birthday and the work gala, and I have no idea how any of those events (especially the last one) will derail my spending.
It’s better if I can try to be the tortoise: take it slow, write down my spending, forgive myself if I *only* save $417 instead of keeping the big money. It’s still savings. It’s still progress. It’s not small potatoes. But it is hard to see it that way when a couple of months ago the higher bar seemed so achievable. Turtles climb under bars and keep going.