I've decided to take a little more control over my life right now. I am planning to keep better track of my money. If I'm planning to make some big purchases and pay off some debt...You better believe that I have to save some money. So, I should keep better track of my spending. I've devised a chart to fill everytime I use my debit card. I also provided myself with an envelope to keep track of the receipts and payslips. I'm not sure when I'll purge them, but I'm sure I'll get a feel for it.
Speaking of money, it turns out that my wage hasn't kicked in yet so my hours were just as good as an associate. Ugh. I hope I get retroed for that. Anyway, being that it was our one year anniversary 9 days ago...I wasn't able to afford my gift for him at the time because of my low wages. Well, unfortunately...I still have low wages and I decided to just buy it anyway. I can starve for 2 weeks. It's not that hard. ha. I'm just going to have to budget and sacrifice more. Besides, it's worth it to see him happy and call me "crazy."
I have some other goals that have come up in the past few days. I realized that I can be so much better if I just organize and motivate myself.
Change is good. Having motivation and support to change...is EVEN BETTER.
1 comment:
Here's more motivation...
Christmas is just a few months away, and I love expensive things.
There.
About saving receipts... I have this thing in whcih I put my receipts that divides the whole year by months and what not... You should try it. I'm on my second one, and it helps me organize my purchases and stuff. I forget if you have a PDA, but if you have a Palm OS, this program called Tender can help you balance your account. It helps a lot, because if you're lazy like me, you don't wanna have to add and subtract all the credits and debits to and from your account and get cummulative totals and such. I'm sure you can find software like Tender for your PC, too. For me, anyway, doing this electronically helped me from overdrawing my account for the past 3 or 4 years.
Anyway... don't forget to open up that savings account as we said. Your bank can most likely set up automatic weekly/bi-monthly/monthly transfers to help you out.
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