Hey folks! Just wanted to check in and tell you what I’ve been doing this week to stick with my budget and make this Total Money Makeover thing happen!
I have still been fighting myself tooth and nail everyday to keep away from Starbucks. I feel so lame for being so attached to a beverage! And it isn’t even alcohol! What the heck?? Despite the fight, I have still been winning, and have saved myself at least $30 so far in the last week and half.
I’ve also put in an extra effort to make sure I have food to take to work with me everyday so that I’m not making purchases. Keeps me healthier, and also keeps extra money in my pocket.
Speaking of work, I finally decided to go outside of my comfort zone and pick up a couple of shifts during the morning. I usually work evenings, and anything before 10am seems insanely early to me, but I’ve decided that I can “man up” and go to work at 7am a few times to help meet my financial goals. Even I’m amazed at how quickly my priorities have changed!
Payday was Friday. All of my bills have now been paid for the month, including all my credit cards. (On time!!) I also pulled out cash to start envelope funds. I have one envelope for the car/gas, one for groceries, and one for miscellaneous. Once the cash is gone, so is the spending.
My current financial goal is to save $1000 in as little time as possible. I am now almost a third of the way there, thanks to some extra help from my mom this weekend!
She just got back from a three month-long vacation, and came over Friday to visit, and take me out to lunch. She had also offered to buy me a new pair of shoes, just for fun. I was all excited over the prospect of new shoes, but Keenan (bf) gently reminded me that I should see if she would be willing to put that money towards some of my extra bills this month instead. It hurt a little, but I knew he was right, so I asked her. Of course she was willing to help me be responsible.
Well, when she actually came out for lunch, she gave me cash for my bills, then she still took me out and bought me new shoes (I replaced my black Toms, since my old pair has a big hole in the toe)!! I seriously have the best mom ever. Now the pressure is on even more to get my finances on track, since she’s helping me out, and trusting me to be smart with my money. Challenge accepted!
My mom’s generosity not only put cute new shoes on my feet, but it also helped to pad my grocery budget so that I can save some for next paycheck, which will be tight, AND I was able to put a grand total of $170 into savings from this check!
Baby Step #1 Total as of 4/13/2013: $300/$1000
What have you done this week to be proactive with your finances?