So as I have been keeping this on line journal, blog, whatever it is one of my main concerns is money. And how to save it, and not spend it. I know I have been talking about it for two months now and not doing anything about it. So today I decided to see how much money I actually wasted, because I get thoughts in my head that I can't live on what I make. That it is too hard, and I want it now. If only I made more, if only my husband made more, if only, if only, then I could just buy what I wanted. Notice these are all wants... not needs, but wants. I experimented today and I made out a list of spending, a budget, and do you know I should be saving or paying down debt by $600 a month, which would still leave around $100 for misc. expenses. REALLY???
As I was questioning this and writing it all down, I went back through my bank statements, and see where I waste a ton of money. Mostly eating out... and some other things that are wants, that have become needs and I need to just quit. Like smoking. But that is a post for another day.
And I had to wonder why do I spend money like I do. Granted there are certain things that are needed such as groceries, gas, baby food, diapers and things like that. But looking back over my expenses, I can cut out quite a few things. Again this month, I have way overspent and received taxes. Those taxes should have kept me going for a while. But instead I chose to spend way more than I needed too.
I have to stop and listen to the voices in my head telling me to spend and not spend. I am making a list of things that I don't buy... while it isn't really saving money it will show me if I can really live without something. This goes into decluttering too. I have WAY TO MUCH STUFF. I have said it 100's of times before, but having all of this stuff is just overwhelming and I can't seem to get a handle on the housework or enjoy the time I have with my baby.
So now I think I have a plan and a budget, and I will see where I end up at the end of May. At the end of May I should be able to pay another $1000 on my credit card and have it almost paid off.... instead of in the 7 months I have planned. It is time to take control.
How do you keep your spending on track, in check and not buy a bunch of unwanted stuff?
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