stop buying things i dont need with money I don't have

Even though I’ve shunned using my credit card and I specifically budget for certain things that I need/want so I can pay cash for them, I still feel bad because I’m not sure if everything that I pay cash for is something I absolutely need. Though, I have to have a little bit of fun and buy some stuff I want, right?!?

I get all these catalogs in the mail and I know I shouldn’t look at them. Brylane Home, Chadwick’s and Doctors Foster and Smith. I want something from all of them but I don’t have the money and I no longer have a credit card I can use either. I’m feeling a little anxious about it.

Brylane Home: I want different curtains, a comforter and a recliner slipcover for the bedroom.

Chadwicks: Two cute blazers and some tshirts.

Drs Foster & Smith: Monti needs a new carrier…one that’s softer and zips on the top. Actually this is a need so I’ll be saving up for it.

Just received my government stimulus money! I’m making a list of things I need to buy…landscaping stuff, floor mats for the car, car detailing, some clothes for work. Hopefully I’ll have some left over…$100 to savings and $100 to debt.

Also, I’m buying new windows for my condo…4 years no interest. So, yes, technically it will be debt but I will not be counting it as part of my “get out of debt”...mostly because my mom will be helping me pay for it and we figured it will take us about a year to pay it off.

Do I really need to get new floor mats and my car detailed? I would like it to be nice and clean. I need it to last because I’ll be driving it until I can afford another one…which will be half past never! No, maybe by 2018 I can buy another car. ;)

I’ve been getting carried away with buying decor for the condo. I bought some art…about $240 worth. I put about $104 on the credit card. Oh the shame! So starting now and all of April I am going to try my hardest not to buy any decor or any clothes/shoes…and I’m definitely not going to use my credit card.

I just squeezed my budget tight! I overspent by $135 so I had to dip into some funds that had some cushion. Now the cushion is gone, I’m still short $38 and I don’t feel good because there’s no padding in some of my funds (like electricity and gas for car).

So now I am putting my foot down on myself and I’m not going to spend any money that isn’t for something that’s in a specific fund that has money in it. Also, no more using the credit card because I want that puppy paid off by August this year!

I received a $25 Borders gift card for xmas. I bought two books, a 50% off calendar and a journal and I went $18 over the gift card. I will read the books, the calendar is for my workout area in the basement to keep track of my workouts and I already started using the journal.

I went to Old Navy to return a (too big) shirt I bought online. I then bought two shirts and a hoodie. I really didn’t need the hoodie…but it was 50% off. :\

I went to World Market and bought two placemats and a set of coasters. ($22.00) Did I really need them?!? My dining room table looks better with the new placemats.

Oh no, someone help me! I feel like I need a new pair of boots (or a few pairs). I have pointy-toed but now I wanted round-toed. I threw out all my square-toed boots cuz they just make your legs look cut off. Maybe I should stop watching What Not To Wear cuz they just make me want to buy more clothes & shoes!!

From my last post…I was successful in resisting the urge to buy some things from the Chadwicks catalog…but now…

I was looking through my clothes, deciding what I should take on vacation to NYC and I couldn’t come up with no more than 3 outfits. That’s not enough and now I feel like I need to go buy more clothes…which I probably will, at Kohls. :\

Why oh why did I look through the new Chadwicks catalog?!? Now I want to buy about six things. Must resist the temptation! Must think about the new condo and the things I need to buy for it!

I went to World Market just for tea but left with two chair cushions and earrings that I didn’t need. I think I’ll return the cushions ($12.99 each +tax). I already wore the earrings.