Monday, April 29, 2013

I want it now!!

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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