#debtfreejourney

Lazy weekend. Still got a to-do list!

I totally did A LOT of nothing these last few days. Over the last two weeks I’ve been set on go go go mode that doing actually anything is so nice! I’ve been sticking to my low carb meal plan however the money part… not so much. I spent $17 on lunch Friday, $9 on a birthday gift for Corey’s mom, and $11 for 3 months of Spotify.  I previously cancelled it but it is something I totallllly use and have been missing. They sent me an email offering 3 months for the price of one. If in three months I don’t use it (every day I promise I do) at least 3-4 times a week I’ll cancel it again.

These past few days have included binge watching Master of None on Netflix with my cat, naps, and front porch sitting.
With that said, vacation is over, being a bum is over, and back to work tomorrow!

I did spend time working a budget and realizing  I need to convert to cash instead of a debit card. It’s hard with me to part with dollars but when I swipe my card it’s no second thought. Example: If I go into the store it a sole amount I CANNOT go over, I focus on the budget, and stay within it because there is nothing more. If I use a card with a set amount…. if I go over, it’ll be okay… I don’t watch it as closely. I’ve been re-reading my Dave Ramsey books and assigning every dollar as well. We have to expenses coming up. We’re investing in a $400 air conditioning unit probably… our house unit (depsite having it looked at) will not keep up. Our house is so hot, it’s constantly blowing, not cooling down and our electric bill is going sky high. June-August are our highest bills. If we convert 3 rooms to window units during those months and isolate the air we can keep it cooler and cheaper. We hope. Also, my dog is going to the vet tomorrow. She’s having a skin condition and it’s looking realllllly bad. I don’t yet know what it will cost. I don’t care at this point she needs help and relief.

 

 

debts

This is my current amount of debt. I’ve listed them from smallest to largest. If you follow Dave Ramsey’s baby steps, you pay the minimum on each and knock out the smallest to largest gaining momentum.

Not only am I an idiot and spending so much in “payments” I have to allot for my monthly expenses:

  • Home Bills $850
  • Phone $211
  • Insurance $115
  • Gas $260
  • Car Maintenance $30
  • Pets $200
  • School expenses (Eli isn’t home but not I’m setting aside money for new uniforms, shoes, supplies, and lunch money when he is home!) $180
  • Unnecessary but oh so necessary bills: Netflix, Hulu, Spotify $35
  • Groceries $600-700 including eating out.

GROSS. I am out of control to be honest. The lack of planning and being lazy reflects in that. Summer shape up is in demand. I need to get everything in order before a life event happens and puts me under. That is the absolute truth.

New Budget:

Home Bills $650
Phone $211
Insurance $115
Gas $260
Car Maintenance $30
Pets $100
School expenses (Eli isn’t home but not I’m setting aside money for new uniforms, shoes, supplies, and lunch money when he is home!) $125
Unnecessary but oh so necessary bills: Netflix, Hulu, Spotify $35
Groceries $425 (Eliminating eating out. We average this past month & half 2-4 times a week)

Remember, I’m kinda new at budgeting.

I felt like crap after looking at my banking account.

I messed up and spent unintentionally and spent $110.89 on junk.

  • $24 Amazon for a video game for my son
  • $1.50 Redbull
  • S2.50 Redbull
  • $13.17 Subway
  • $5.29 Ruler Foods
  • $37.22 Kroger
  • $13.30 Walmart
  • $2.91 Dollar General
  • $11.00 Paypal

The game for my son I didn’t even blink and ordered it. It was relatively cheap and I wanted to please him instantly when he asked. I did it to feel good.

The Redbull’s because I was working 2 twelve hour firsts back to back on third shift and it was an easy fix. I could have just brought a thermos of coffee or tea.  And the Subway too…. on the way to work yesterday it was easier to pick up two lunches for Corey and I than pull something out/plan/and cook it really quick before work. Instead I justified the money spent in my head.

Two quick trips to the grocery stores for one or two items I got crap I didn’t need and it wasn’t a utilization of my money. My last trip to Kroger I spent $80 and got 57 items! This time I got two bags and can only remember one item I bought now. That’s not good!

The DG trip was for shipping envelopes and I had no choice they were the cheapest though.

Now, the $11 purchase it what made me very upset. It made me sick and reminded me of all my bad habits. How easily I spend on things I don’t need. I purchased makeup. I didn’t need, and worst of all ALREADY have. I have so much stuff I didn’t realize until 2 days later. I just bought it because it was a great product at a great deal.

 

Ahhh so I’m picking up two shifts this week to make up for what I spent, and then some to save to learn from what I’ve done. I can be upset but I choose to fix it and learn from it!