As I've said before, DH and I have a weekly consumables budget of $100. This consists of food, restaurants, health and beauty, pet supplies and home supplies like lightbulbs. If I have a surplus, it gets carried forward to the next week. Usually when the money's gone we stop spending. Sometimes we do carry forward a deficit if we're in the mood to spoil ourselves. This is usually followed by a pantry eating week to get back to positive.
We came into this week with an extra $15! Our budget week starts on Friday, which just happens to be date night. We decided to go to a chicken place with some friends for our Friday dinner out: $25. Pretty good considering it wasn't fast food. Then we got fast food for dessert. DH has the coupon for this one, but he left it at home. Let's call it $8. So after restaurants, that leaves us with $82. Surely this should be enough for groceries.
Knowing there were some deals I'd like this week, my groceries came to $35. It wasn't a full week of food, but I got enough proteins, starches, some fruit and a some snack. Our pantry will be able to fill in the holes and get us to next week.
Everything was going swimmingly. Total spent so far of $68 leaving $32 in the budget for deals. Here's where the wrench gets trhown into the mix.
I spent $7 at Loblaws on toilet paper deororant and body wash. It was a great deal, so I rushed to pick these up. Then I rushed back to spend an extra $4 on toilet paper and paper towel. I really thought it was such a great deal!
This week there was also a Shoppers 20x the points day. I hadn't planned on participating in one of these days before and I hadn't put a buffer in the budget for it. Still, I wanted to try it out to see if I could actually save money. I was moderately happy with my savings from the day; you may remember my post about my trip. Even though the savings were good, I spent $56 out of pocket. $15 will come back to me through a mail-in rebate, so $40 comes out of the budget. I added to the stockpile, but $40 is a big chunk out of our budget!
Then I bought milk the next day $6.00 because we were out and discovered emergency frozen milk takes three days to thaw!
That makes a total of $57 on deals and poor planning. So I started $15 ahead and ended $10 behind. Wow. To top it off, I'm hoping to get in my coupon trains this week so I can pick up the deals I've yet to get! Some body please stop me!
I'm glad that we have a budget to limit what I can buy. If not, I could fool myself into thinking I'm getting ahead by saving money even though I could be racking up debt.
Now that I've committed to trying out the Optimum points again to see if I can make it work I'll try to build up a buffer for these bonus days. You can bet next week I won't be going over the $90 and may even have a surplus. Sometimes a deal may not be the right deal for you. I picked up a few of those this week.