Oh wow - I never have a name for it, but Disaster Thinking is a perfect description. It is, like others, so familiar to me - it is why I go buy groceries at Target and get $40 cash back so often in the 2 days before payday, since I know they don't process the payment from my Red card that is tied to my checking account for at least 3 days. Every month I make a financial change to save money, to allow myself to save for emergencies that seem to all come along at the same time. Last week I spent nearly $1000 on things that I had not planned for - emergency vet bills and car fixing and miscellaneous other tasks. I know eventually a month will come along where I don't have any of these things and maybe I will be able to sock away some extra cash, but until then I will continue my practice of planned late payments with the electricity company and AT&T.
A guy I used to work with did this! His job involved traveling for up to 6 months out of the year, and he had a girlfriend in a foreign country that he was always trying to visit. His logic was that he didn't see the point of renting a place he wouldn't be staying in the majority of the time - so he slept in his office. He had the cleaning lady walk in on him multiple times asleep on the floor, and it became really obvious that he was showering every day at work too (long hair). I think he thought no one knew, but we ALL knew. The bosses generally thought it was too awkward of a subject to bring up, especially if the circumstances were money-related, and basically ignored it. I really hope part 2 explains that everyone at her work knew the whole time and just didn't say anything to be polite.
The biggest tip I ever left was also accidental in France. I forgot that you don't really need to tip, and I was at a cafe with a friend who then got FAR too drunk on caiprinhas. I felt really bad for our waitress (who was very beautiful and sweet and spoke zero English) who I kept asking for water to force down my friend's throat so he would calm the hell down and stop thinking he was having palpitations, and ended up paying the tab and leaving something like 8 or 10 euros for a 45 euro meal. I may have also had too many caiprinhas. She came out and mimed to me if I was sure I wanted to leave that much, which clued me in to the fact that I had overtipped, but at that point there was no going back. She thanked me profusely, and I felt like a high roller for the next 10-15 minutes (until my friend puked in the street next to the Seine). The biggest tip I ever got was $100 on a $10 meal, on my last day of waitressing at a breakfast/lunch place in my hometown, right before i went to college. It was one of the daily regulars who was a sweet old man that told me I reminded him of his granddaughter. I chased him down the street and hugged him, which was embarrassing for both of us, probably.
I cannot - repeat, cannot - spend any money this weekend due to a huge mismanagement of funds on my part, and being charged $70 in overdraft fees erroneously and them taking their sweet time to reverse them. SO. Friday - comedy show with bf. Got the tickets really cheap but a 2 drink minimum...$20 maybe? Saturday - clean the house, dog park, free activities. Babysitting at night, so +$70 hopefully? Sunday - make some thing big and delicious to feed me for a few days. I'll say $20 for some basic grocery needs like cheese and eggs and toilet paper and wine. Hopefully - profit of at least $30? We will see how this goes.
Well I stayed close-ish to budget but spent it on very different things. Friday- bought the movie passes but didnt end up going, watched about 2 hours of SYTTD on my couch instead. $25 spent but unused as of yet. Saturday - spent about $35 on new plants, a watering can, and a little trowel for my new urban garden. Sunday - Disneyland! Spent about $32 on food in the park over the course of the day (lunch for bf and I, some dole whip soft serve,and a tollhouse cookie sandwich). Forgot to budget for dog at daycare while we were gone, which ended up being $63 since he was due for a booster shot. Total - $155 but $25 of which is still unused.
Friday - movies tonight with BF. I am buying discount tickets from work so $25 for 2 tickets to Godzilla, 2 sodas, and a popcorn. Its so miserably hot and smoky out that I need the AC in a theater stat! Saturday - dog beach, then a BBQ that bf's newly divorced and now very very socially active friend is throwing. Hopefully just about $10 for some beer. Should go grocery shopping at one point as well, I'l say $50. Sunday - Disneyland! Already have our tickets, and I have a full tank of gas. I'll say $20 for food/drink inside and maybe another $15-20 for dinner. My estimate is $125 - hopefully it'll end up lower though!
My estimate was $225 - I went a little over due to some trickery at the dog boarders... Gas for weekend - filled up twice, $106.74 (but I still have more than half a tank left) Food - $20 (other guests/boyfriend bought everything for the most part) Lunch in Santa Barbara on Sunday afternoon for boyfriend and I - $30 Gift for my friend's daughter's birthday party next weekend at a cute toy store in SB - $30 Dog boarding - $142. My pup needed a rabies booster and they have a vet on site and it was the same price so I thought, okay I"ll just have them do it instead of making an appointment at my regular vet and having to take him there beforehand. LITTLE DID I KNOW that they would require him to have a full exam by their own vet (even though he had one in December at our vet, and they have proof of that) which cost an additional $50. This is the second time I have been surprised by an extra charge upon check-in there and its beginning to drive me crazy! Total - $328.74 - about $100 over (mostly because of gas and the boarding)
Estimate! Going out of town this weekend so the estimate is fluid. $50 – gas to get up to SLO $25 – groceries/wine $50 – meals while there $100 – boarding the pup for the weekend total – $225ish? I'm also choosing not to include the fact that I just bought my OSL ticket as a weekend cost since it was semi-planned and I did it before writing this!
Friday - stayed in to start rewatching Lost since Grand Budapest Hotel was sold out near me already, $10 for beer. Saturday - took my car in, splurged for tire rotation, found out I need my brakes fixed :( but decided to put that off until the next paycheck. Got a couple of cleaning supplies - total, $65 Sunday - Disneyland with mom! I have a pass and I had already bought my mom's ticket and she paid for everything else so $0 spent. I had guessed either $60 or $100 depending on the car stuff so I did pretty good!
Last week I went waaaaay over my expectations - mainly because I forgot I had a hair appt. But this weekend should be much more reasonable because my mama is coming! Tonight - movie tickets for Grand Budapest Hotel - $20 Tomorrow - oil change - $36 OR possibly free because Yelp says free oil change for a check-in. Dinner with boyfriend and my mom - $0 since she'll pay Sunday - Disneyland! I have an annual pass and bought my mom's ticket already so maybe spending on gas and that's it. We'll say $40. Total - either $100 or $60 depending on the oil change freebie!