I am currently on a plane on my way to St. Lucia for a much needed break. It will only be a partial break as I am working on some online classes through the summer but I still get to go to the beach so yippee!!!!!

My birthday is on Wednesday the 15th and I plan to laze around ALL day and then party at night. To achieve this I will need to do my classwork on Sunday and Monday since Tuesday I will not have access to a computer and the final assignments are due on Thursday.

Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.

This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.

So again to clarify (since I get so many questions), this shows the cash FLOW for the month. On Day 2 of every month I will have a negative FLOW because I have paid rent etc so money has LEFT my checking account. I have not had any money come in on Day 2 of the current month since I got paid on day 27 or 30 or 31 of the previous month so that income is counted for LAST month.

twentyIncome for the month to date: $11.34

Expenses for the month to date: $1960.59

Net effect: -$1949.25

Since the last posting I spent a total of $275.34 on household items and food, leaving $35.27 in the budget for the month. This is because I stocked up on some stuff like cat food and kitty litter for Dinero who is staying with a friend for the time I am gone.

I used $2.25 in coupons so that will reduce my spending by that amount. I withdrew some cash to use since I will be operating on a strictly cash basis overseas to avoid those pesky international credit card fees. Using cash is one of the best ways to save money when travelling internationally, especially if you will be staying with family like I will be.

I will see you guys and gals later as I continue my journey to save money and become debt free!!!!