wombat_socho (wombat_socho) wrote,

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Fiscal folderol

I liquidated my Savings Bonds this afternoon, which I probably should have done a couple months ago, and dropped the bulk of the proceeds into the yawning void of my checking account. This puts the account back in the black and gives me a little folding money for gasoline and groceries. It also summons forth the black dog, since this was the last remnant of what I got for the house when I sold it in 2003 and moved to the far reaches of West Bloomington. Not all that much, really, and now all the savings I have are in the Cardboard Box Fund, where the IRS will (quite properly!) crack me across the knuckles for drawing on it.

Well. I suppose if I'd been more careful about my spending these last few years I wouldn't be in this situation, but oddly enough for someone who comes from a family of bookkeepers and accountants, I've never been much good at fiscal discipline and clamping down on impulsive spending. These next couple of months, I'm going to do my damnedest to avoid buying anything aside from what I have to have, which means cutting back on lunches and dinners out. One of the useful tools for tracking this sort of thing is the Personal Spending Report on wellsfargo.com; it's impressive enough at tracking what I do with my debit and credit cards that I've never gotten around to making use of Quicken, which has sat undisturbed on Cowzilla ever since I bought it.

This weekend: shopping, gaming, 12 Monkeys, and data entry.
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