Forgive me readers, but I have sinned....
I'm a Catholic girl so I'm all about going to confession...so here it is.
I went totally crazy at Target last week and now I've totally thrown off my debt repayment for awhile. I was hoping to use my tax return I've got coming in a few weeks for something fun but apparently, I decided to do that right away.
As far as Target goes...I got some new sheets (really cute and on sale) but I didn't exactly need them...they were definately a want...and to make matters worse, buyers remorse didn't start until I got home, washed them rightaway and then put them on my bed...and then I felt bad. That 25 bucks could have been spent somewhere else (and that's just the sheets...oh there are other things....Target is an evil evil place!)
Not only did I falter at Target but I got sick and ended up missing 2 and a half days of work....that's 2 and a half days of getting paid..and if we really want to do the numbers...almost 300 bucks! AND my roommates and I have a crazy big heat bill that is going to need to be paid next Tuesday...and we just paid a heat bill this week....and our house isn't that warm...I think something is up with it but will the roommate who has the bill in her name take time and initiative to call and figure it out....doubtful.
So there you have it...my confession....I had some relapse at Target and then I got sick and ended up missing work...I picked up an extra shift at my other job to help out and my tax return will be coming soon...but it's starting to get overwhelming....I just pray I don't get behind on anything!
Thursday, February 21, 2008
Monday, February 18, 2008
eeck! 2 months later...
EEK! I just realized that my last post was exactly 2 months ago...to the day!
WOW! that's pretty horrible. Well, I might as well start by updating what's been going on.
I've managed to pay off one of my smaller "store" credit cards and have been working at my other one. I'm learning how to create a budget and stick to it. I'm also getting more creative in my gift giving, cooking, and personal entertainment.
I used to be able to do all of the things I wanted to do with my friends and now that I can't, it's hard at times. I have up drinking (for awhile) because it's pretty expensive to go out and usually, when my friends and I go out, we start with dinner, hit a few different places for drinks and then maybe do breakfast or brunch the next morning. You don't realize how quickly you can drop 50-60 bucks in a weekend! okay..so let's say that you do that 2 weekends in a row. That's crazy because it's like spending 100 bucks of your pay check right away.
I was not used to the idea of having a grocery and gas budget and actually having to stick to it. If I needed something, I got it. simple as that. However, the first time I went grocery shopping on my $20.00 budget, I failed. I'd ended up planning that I was going to buy 20 bucks worth of groceries to live off of for a week. Well, I got to the register and I'd spent $29.50. I'd even bought what was on sale, generic...whatever I could to help cut costs..or so I thought. I came home and was feeling pretty down on myself and was pretty upset. I called my big sister and she helped me realize where I'd gone wrong and gave me tips for doing it right the next time. What she and I didn't realize was that my groceries I'd bought for $29.50 actually lasted me TWO weeks and not one. SO never underestimate yourself. Here I was completely beating myself up for spending way more than I wanted to when in turn, I wasn't going to have to buy groceries for the next week so I ended up saving!
To clue you in on what's going down ..I work 2 jobs. one during the week (the full time one that pays the bills) and one on the weekends (the part time job which is my grocery, gas, and spending money...if I have any left because part of it goes to "emergency"). I work roughly 60 hours a week and make decent wages at both of them. My full time job pays my insurance for me and allows me to work AS MUCH OVER TIME AS I WANT in the summer!!!! I make some die hard bank in the summer time...and this time around, I'm going to use it to my advantage.
The other little thing, mom and dad decided to cut the cord...so at 23, I'm officially on my own. I even got a Valentine from them the other day and guess what...no check for 20 dollars to go buy myself something nice for V-Day ... :( A little part of me died. However, I did get the title to a '99 Monte Carlo LS with 113,000 miles and some fairly new tires! SWEET. ...yup...so sweet that I am currently shopping for car insurance. My current insurance is up on April 1...so I literally have 1 month to get some insurance...any suggestions?
That's it for now..I promise to write more often and not be an every 2 month thing :-S
WOW! that's pretty horrible. Well, I might as well start by updating what's been going on.
I've managed to pay off one of my smaller "store" credit cards and have been working at my other one. I'm learning how to create a budget and stick to it. I'm also getting more creative in my gift giving, cooking, and personal entertainment.
I used to be able to do all of the things I wanted to do with my friends and now that I can't, it's hard at times. I have up drinking (for awhile) because it's pretty expensive to go out and usually, when my friends and I go out, we start with dinner, hit a few different places for drinks and then maybe do breakfast or brunch the next morning. You don't realize how quickly you can drop 50-60 bucks in a weekend! okay..so let's say that you do that 2 weekends in a row. That's crazy because it's like spending 100 bucks of your pay check right away.
I was not used to the idea of having a grocery and gas budget and actually having to stick to it. If I needed something, I got it. simple as that. However, the first time I went grocery shopping on my $20.00 budget, I failed. I'd ended up planning that I was going to buy 20 bucks worth of groceries to live off of for a week. Well, I got to the register and I'd spent $29.50. I'd even bought what was on sale, generic...whatever I could to help cut costs..or so I thought. I came home and was feeling pretty down on myself and was pretty upset. I called my big sister and she helped me realize where I'd gone wrong and gave me tips for doing it right the next time. What she and I didn't realize was that my groceries I'd bought for $29.50 actually lasted me TWO weeks and not one. SO never underestimate yourself. Here I was completely beating myself up for spending way more than I wanted to when in turn, I wasn't going to have to buy groceries for the next week so I ended up saving!
To clue you in on what's going down ..I work 2 jobs. one during the week (the full time one that pays the bills) and one on the weekends (the part time job which is my grocery, gas, and spending money...if I have any left because part of it goes to "emergency"). I work roughly 60 hours a week and make decent wages at both of them. My full time job pays my insurance for me and allows me to work AS MUCH OVER TIME AS I WANT in the summer!!!! I make some die hard bank in the summer time...and this time around, I'm going to use it to my advantage.
The other little thing, mom and dad decided to cut the cord...so at 23, I'm officially on my own. I even got a Valentine from them the other day and guess what...no check for 20 dollars to go buy myself something nice for V-Day ... :( A little part of me died. However, I did get the title to a '99 Monte Carlo LS with 113,000 miles and some fairly new tires! SWEET. ...yup...so sweet that I am currently shopping for car insurance. My current insurance is up on April 1...so I literally have 1 month to get some insurance...any suggestions?
That's it for now..I promise to write more often and not be an every 2 month thing :-S
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