be more responsible with money

I am better about this then I was a few years ago but I’m still not close to where I want be. In a year I am sure I spend thousands of dollars on random things I don’t need-clothes, shoes, magazines ect. I want to cut out this frivelous spending and save money and pay down my debt. I constantly justify my purchases but in the end almost everything I buy is wasteful spending. My goal is to keep track of everything I buy and cut out at least 90% of my random spending and put that money into savings. I know that it will be hard but I am commited to getting this under control. I will be so much happier for it-especially when I don’t have to live paycheck to paycheck.

I can’t understand why it is that when I am hundreds of dollars in the hole, I continue to go out to eat daily for lunch and/or dinner, buy useless items I could do without, and not to mention the social/entertainment life that I have convinced myself I can’t live without.
I continuously make promises to my self that each pay period will be different, but each time it turns out the same.
So my main focus is to take it one day at a time. Focus on the small things first and safe the hard stuff for last.
I don’t think it’s going to be easy to get back into that mode, but I really don’t have a choice.

i am still trying to get it together! however, i start my second job today. I figure that one job will be for savings, and the other will go to my “expensive and careless” habits. We will see how this month goes :-)

On a positive note, I got my income check back and i paid off most of my debts :-) Nevertheless, i did do my share in helping out the economy by doing a little shopping loL!

i just need to get a grip…be more organize…i missed two credit card payments. this is so fustrating bc it seems like it would be the simpliest thing to do and for me its not.

maybe i should keep a calender just for bills! its crazy bc im so organize at work, but my organizational skills outside of work is just a big mess

MONEY IS MEANT TO BE SPENT! But there is also a limit!! I have this terrible habit where i would spend money and sometimes having nothing to show for it. I understand the importance of saving money, and I have been … its just been more of a challenge lately because after graduating from college, I accepted a fulltime job which is now enabling me to make more money than I’ve ever had…ever! Aside from paying off loans and helping with my family with rent and my siblings’ education…i made myself believe that its okay to spend money on miscellaneous things esspecially since I never had money to splurge

I realize the importance of saving…and i know that I am in a better position where I can help out my family …but i need to be more responsible. I need to learn how to save money

I just want more descipline and its disappointing because I also know that my family and I arent rich…I want to know how and when to tell myself to stop.

All at the same time i want to have fun, travel, live life, and enjoy all of the things that money makes a possibilty. How can I reach a common ground? I defintely do not want this behavior to turn into an unchanegable characteric that lasts with me thoughout life…so this is my goal..to establish a more responsile and strict approach to spending and saving money

so i paid off my credit card which felt amazing. but suddenly an unknown charge shows up and i haven’t used the card in weeks. so i track it down and OVER a year ago, a company got my information and since then have been charging my account $10 a month and i DIDN’T NOTICE because i was using it so much and not checking things out. i feel like such an idiot. i’m trying to dispute it but it’s been so long… let this be a lesson to myself to check over my statements!!

:D Today i went to loblaws… and got my $20 back! i’m feeling responsible now!

:( not today. not only did I not realize that the cashier forgot to give me $20 back, but I also spent $20 on pretty crappy food. But!! I did take responsibility, called up the store, and asked them to inquire about my $$! Hopefully I get it tomorrow!

I need to live within my means and be able to pay bills AND create a surplus. I need to not have to freak out when var problems come up, I deserve to keep my hair touched up, and to take a little vacation here and there. It’s so frustrating how high the cost of living is in Seattle, but I want to make it work for me. This means budgeting like MAD, and sticking to my guns about savings and loan payments.