2013 Halfway Point

That's right, I said it, after tomorrow 2013 is half over.

I've lost track of 40 days worth of spending this year. That's pretty horrible but I'm nearing that many no spend days as well so I'm going to pretend that the two balance out. During the 141 days this year that I've kept track of spending I've averaged $14.72 a day. If I truly want to spend $12 a day this year then I've an average of $9.92 a day remaining for the next six months.

In 2011 I spent an average of $13.70 a day. In 2012 I welcomed my son into the world and lost track of EVERYTHING else. Ideally in 2013 I think it'd be really incredible to come in under my 2011 average. A $13.50 a day average would leave me absolutely thrilled and affords me about $12.56 a day for the rest of the year.

I think I can say with certainty that $9.92 a day for 6 months will not happen. I'm a realist. $12.56 a day... that's doable; a big, BIG stretch (considering that I'm averaging almost $15 a day right now) BUT doable.

2013 Financial Goals
Average $13.50 a day      currently $14.72
104 NO SPEND days      currently 34
No more than 45 days off the record      currently 40
Maintain $1000 emergency fund      currently $2
Stick to a monthly Zero-Based Budget