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Monthly Archives: June 2013

Changes

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If you haven’t noticed from my previous posts, I’m an emotional spender. I don’t spend because it’s necessary…on the contrary, I hate spending on items such as clothing and medication. I spend my money because I’m trying to fill a void and/or soothe an extreme emotion. It’s the same thing as my emotional eating. If I’m happy, I’ll buy fast food. If I’m sad, I’ll buy fast food in large quantities for a week. If I’m bored, it’s junk food until something more interesting comes along.  I know that I should eat healthy, but for what? Because it’s the right thing to do? Because it’s going to come back and haunt me (probably in the form of disease)?

I think with my spending, it’s dealing with perfectionism. I’m definitely in a quarter life crisis (and so is my husband). I wake up every morning with the thought of “Is this it?”. I find myself mourning the fact that I’m getting older, and seemingly not doing anything with my life outside of working for someone else. I miss the freedom of being in college, of waking up every day with no real responsibilities. To cope, I spend mindlessly to keep myself busy. I don’t have the notion to save, because what am I saving for? A rainy day? Not real enough to motivate me. A vacation some far off day that will only serve as a reminder when I return from it that I hate working 9-5 everyday for someone else?

Nah. My history shows that I take the instant gratification road instead.

It’s frustrating, because I know what I should be doing. But if I’m anything, I’m persistent. I began this blog as another attempt to try to change the way I handle my finances. But in order to change my mentality regarding finances, I also have to change my mentality regarding the other areas of my life.

Here are the goals I’d like to work on this month starting today:

–        Work out 15 times before the July 1st (this could be walking, jogging, yoga, anything that keeps me moving)

–        Track and stay within my WW Points for two weeks straight.

–        Write 100 words daily for my 2nd novel (yes, I published one on Amazon last year and am trying to write the second one faster)

–        Bring breakfast and lunch to work every day for two weeks.

 

 

 

 

May 2013 update and June goals

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Hey friends!

It’s been awhile, but things on Debtonia are crazy as usual. Let’s get some updates in this mother—

Finances:

Remember when I casually mentioned I was hit by a car? Yeah, got reimbursed for that ($500 and paid it on my credit card), but we noticed that my car was making some really funky noises. Of course it checked out with the mechanic, but the noises continued despite us not being able to find anything. I commute 20 miles each way every day and was getting nervous about driving through the mountains. So! Hubs and I went to a few dealerships and ended up walking away with some car debt.

Yep. Let it sink in. We now have car debt. I know I whined and complained about getting a new car, but I wasn’t too serious at the time. And I certainly wasn’t planning on taking the amount of debt I now have for it. Nevertheless, I love my new car and I am feeling 1000% safer driving to work every day. When my 40 minute commute increases to an hour and a half each way in August, I’m glad I’ll have something reliable. Not to mention the ride is so much smoother, it makes being in the car that long much easier.

While car shopping, we found out that I need more of a credit history. Back in college, I had racked up credit card debt. When I graduated, I paid off all debt and then closed my cards. Hindsight is a bitch, you know? I should’ve kept some of those cards open. The dealership told me that I had great credit, but not enough. Hubs and I decided to lease for a few years to build up some kind of credit and then just buy the car. At the end of my lease in 2016, I’ll have to pay $13,000. My new car payment is $288 a month.

Housekeeping:

I’ve added some side bar widgets to help my dear readers and myself keep track of paying down our debt. Also, I’ve decided not to post line by line recaps anymore. It’s so tedious and it’s not how I normally review our budget. From now on, I’ll just post how much we’ve paid towards debt. That will help me post more frequently instead of spending hours (and sometimes days) tracking receipts.

June 2013 Goals:

Our goal for this month is to pay $500 towards credit card debt. My student loans are starting to kick in, so that’s going to force us to live more within our means. These last few months have been fun, kind of like us having a vacation from the intense stress of last year (Hubs was unemployed for a year). So we’ve been updating our wardrobe (finally got rid of those jeans with the holes), eating out more, and going to the movies. But now it’s time for us to rein it in and get back to work. Frankly, we’re tired of spending anyway. J

What about you? What are your goals from this month?