Financial Shocker Number Two

I was sitting down trying to figure out how far into the hole we have gone in the last 6 months. I.e. to figure out how much we would have saved if we had been living within our means. Sort of a “I started with this much, and I didn’t spend beyond my means, and I was saving this much, so how much would I have by now”. And that sort of calculation is pretty easy when you are going into a budget. It is relatively easy to figure out your savings potential based on a simple buget plan. But it is a lot more difficult to figure out how much you “could” have saved after the fact.

Ultimately I came up with, what I hope is, a general enough solution to be easily reused moving forward. I have outlined this solution in the Finances page. Though the final conclusion is that we made -$14,685.28 between 2022-08 and 2023-01.