save money instead of waste it

Well Have just paid off my $500 credit card balance and my $350 Hire Purchase and it feels great. Funny how that gives you more freedom am also saving to pay off my loan of $2350 at the moment it used to be $4000 and have gotten it down. The only dilemma now is I am now used to having my $1350(current) savings in the bank in case something happens but should I use that to pay off my loan and then save on the %10 intrest rate or keep it in case something happens???? Am also saving to go to the gold coast in australia(friend won ticket and I get to be a lucky friend- can’t say no). Have also made some wise financial decisions for next year have managed to get a job at a college of residence which will cut my living costs by at least $9000 so am definately on my way to financial freedom and South America here I come.

up to 1,250 and paying off the credit cards – so far so good. Has been a real big learning curve and hard to distiguish old habits but the rewards have been well worth it and make it easier – now I want to save every penny I get the most bizarre feeling.

Well this is by no means a quick and easy goal but I feel I am getting alot better I find myself now stopping and really thinking about it, no more impulse buying, sometime if I give it enough time and I completely forget about it and that thing that I so desperately needed I find myself not even noticing I don’t have it. I also remove myself from those type of situations, go home for lunch and dinner, leave my wallet at home but the biggest difference I have made is putting money in my savings as soon as the paycheck comes in and not leaving alot left over for “stuff”. I can’t really go out and buy new stuff but I survive and don’t feel like I am missing out. So since the beginning of march I have managed to save 900 dollars and am closing in on 1000 so I am v. impressed with myself

Had a goal setting workshop last nite – not completely finished but in the process – three financial goals I made that I am committed to achieving within a year are to get a $10,000 savings in my bank, get a part time job at school that I enjoy and get paid well for- no more mediocre stupid jobs had my fair share of them and they suck and to be financially free for my next three years of school (meaning- not struggling, no paycheck to paycheck living).

Am going to stop placing bids on ebay – its a killer. As of today no more ebay.

Well trying to cut back from lots of angles – going to eat all the food in my house before I buy any – this should stop me from doing the usual buying of too much stuff and all the fresh good getting wasted. As I am the lowly student am finding it quite hard to pay for school and save let alone live but I am committed to saving and paying off my immediate debt (not student loans) asap. I think when you don’t have money on hand you realize how much you waste it on dumb stuff. So as well as the new food idea I am also going to get more experimentive with my clothes so at least I feel like I have a new outfit even if the clothes that make it up are old ones.

Well have decided that after payday I am going to take the money I need out for the week and just pay things by cash and put my card in the freezer(heard someone did this and I need a place to put it away so sounds as good as any) as I am a chronic swiper – if you can swipe it you can’t buy it. We will see how this logic works for the week. I am also trying to pay off my laptop and travel loan that I have at the moment and have decided that when these payments have ceased I am going to set up a AP for the same amount into my savings. Have also heard put away for yourself first and you will find a way to pay the bills so with this in mind the plan is in action.