Good day everyone!
Zak here from Cape Town South Africa!
Without a working car, my partner, 
The car gave us an ABS fault error, but after unlocking it with the service tool and jump starting the car - turns out it is a battery problem. Tested the battery - dead. So R1460 for a new one please! My monthly budget does not have a R300 spare on it!
That was ONE of the things. I also had no money for my daughter's birthday or money for a new school blazer. All in all $250 of my savings was needed! This is a substantial amount of money compared to my income.
Thankfully, I had HBD savings! Because I had monthly targets to grow my HBD savings, I had accumulated enough to cash out in order to fix the hole in my monthly budget.
The message is clear: Keep blooging on Hive and keep saving up the HBD!
Back to the drawing board then!
Before I had to withdraw, my progress looked like this:
A simple but affective target, I save $22 in HBD in January, $23 in February and so on. I pulled ahead... far ahead... now I need to backtrack this...
I only have $49 is savings right now:
Thus, if I roll back my deposits, I get the following:
Looks like I am back to January 2023...
And now will load up what I have since my current bills have settled...
I now need $2.927 to finish January, $23 for February and $24 to do March. In total $50.927 is what I need to add to savings to get back on to par. If I do not reach there during march, I will need to put whatever it is that I am outstanding on to April's $25.
Let's see how I do!
Thank you for reading!
Cheers!
