by, 09-30-2008 at 10:37 PM (1496 Views)
WAAAAHHHHH!!!! That's me having a temper tantrum. I'm on the floor, kicking and screaming and crying. Did I mention that I'm a 32 year old professional woman? Pathetic, I know.
I'm trying to allocate my income for the month of October and it sucks. I knew that I was going to have to cut back in some areas and redirect that money to other areas, I just didn't realize I'd have to actually change the way I've been living. I've always had a budget. I've always allocated money for my monthly bills - what I never did was allocate money for my irregular/annual expenses. In an effort to be thorough, I set up the following categories for expenses that I didn't normally plan for: Junior League annual dues, trips to the salon, gifts, gym membership, house care and vet bills. These are the expenses that I have put on my credit cards over the years.
Now that I'm allocating money for these areas, I'm realizing that there's not much money left for my fun money. It's great that I'll be paying cash for my annual JLC dues, vet bills, etc. but I'm also realizing how much of my day-to-day life is going to change. No more cabs to work because I'm running late. No more lattes or coffee from Au Bon Pain because I was running late in the morning and didn't have time to make coffee. No more lunches out because I didn't have time to pack one, no more take out because I don't feel like making something.
These changes might seem like to no big deal to most people, but to me they require a huge change. I'm really more of a fly-by-the-seat-of-my-pants kinda gal.
And these changes are requiring me to be *gasp* be prepared and think ahead.
My short-term goals for October:
- No buying coffee in the mornings. If I don't make it at home, then I have drink the sludge that's made at the office.
- No buying lunch at work.
- No cabs
- Make weekly meal plans
- Start a change jar
- Learn my way around the grocery store
WAAHHH! I can kiss my life of convience good-bye. It's time to put my big-girl pants on and take some responsiblity for my spending.