I know saving should be a bigger priority in my life but there are so many other things that I’m not willing to stop. I guess I have to look more at my budget to find ways to save. I may have to take a PT job in order to make it happen. Nothing else seems to be working.
The IRS sent me the money I’ve loaned them all year (interest free) without a single thank you, and after tithing, I immediately put it in savings. I’ve decided that this is something that I just have to do. Having 3-6 months worth of expenses covered by my bank account, should be more important to me but I’m quickly realizing that it is something I’m never going to be terribly excited about. Of course, it really doesn’t matter how I feel about it. It is a necessity. I’ve decided that I am going to attack it with the same gusto that I got out of debt with, if for no other reason, just to get through it. Time to slash the budget to nil, and attack!
Okay, that’s it. Enough is a enough. I must save money.
Saving money should be easy, if it is truly a priority. Unfortunately I always see something else that I give a higher priority to. So steps to make this happen…
1. My bonus check coming in February… 80% to savings (10% for B-day gifts and 10% tithe.)
2. My tax refund… 90% to savings (after 10% tithe)
3. All extra money left over in budget converted to change and added to the change jar.
I had focus when I got out of debt, there is no good reason I can’t refocus and build a decent emergency fund.