So I’ve reworked my budget (to December), and I’ve tried to be realistic with the amounts I have for each category. I’ll have to do it for at least a month to see if I’m on target, but I think that I’ve come close to what I’m likely to spend. I gave myself some cushion in groceries and also entertainment, but eliminated the amounts for the e-fund for now.

I also tried to anticipate the things I’ll probably need by the winter. Some I can get used, like a coat, and jeans. But others, like shoes and a comforter I’ll get new (my apartment is FREEZING at night in the winter, and used bedding just seems icky to me.)

It looks like if I follow this plan, it will free up some money to apply to my debts. If I decide to take additional shifts at the Souk, I’ll be able to earn more, but I’m not counting that as part of the total figure, because I’m still on the fence about working so much while in the Guild.

One major change was that I removed the savings for a new computer. Having one would greatly help (now, I just have access to one, but I don’t own it) but unless I can get some $$ from the Guild, I’d like to hold out for a little while longer. I’d definitely consider getting a used one, if I could trust the source, but I don’t know anyone personally who’s selling.

Potential pitfalls:

Christmas, groceries (eating out because I didn’t pack food.)