I tend to forget that those payments that need to be made on a regular basis exist. I don’t MISS payments, but I will get down to the wire and realize “OH! That’s due TOMORROW!” and suddenly my hopes of having a big chunk to put on the credit card that week are dashed. As far as monthly payments go, we don’t have a lot going on. Car insurance, my cell phone, and the produce boxes are the only ones I can think of right now, and they add up to just over $300. should leave me a fair amount to put on my credit card every month, but somehow I always wind up going just a little bit over the minimum payment.
I’m already seeing a trend with this blog as far as where my money is going…and I pretty much already knew it. Fast food and Starbucks. I passed on a Starbucks trip earlier in the week, stopped going back for second drinks, and gave up their pastries entirely. (Except when they put out the plate of freebies at closing time!) I’ve also been VERY good about bringing food to work and snacking throughout the workday so I’m not OMGSTARVING when closing time hits.
It’s not enough, long term, but these little changes have made me feel motivated to do more. It dawned on me recently that I CAN go to Starbucks just to hang out with hubby, and not order a drink at all. What a novel idea! Sometimes something quite obvious like that hits me and I’m left thinking “Gee I’m a dork, why didn’t that occur to me months ago?”, and I definitely had one of those moments when this thought occurred to me.
I’m dwelling on my failures too much this evening, so I’m also going to mention one area where I’ve been very successful in cutting back my spending. Books. I am a fiend for reading. I read a LOT, and I read VERY quickly. I can easily go through a novel a day. This can be an expensive hobby, especially since I got my Kindle and I can download almost any book in seconds. I spent $140 in ten days when I discovered the Dresden Files novels. I would finish one, and download the next immediately, at $10 a pop.
Now I’ve discovered E-books at my public library! I log onto the website, browse around until I find something I want to read, and download it to my kindle. The best part? When the book is due to be returned, it simply vanishes off of the device. No late fees, no last-minute scrambles to find the books, nothing! I can apparently check out up to 100 at a time (Wow!) and thus far the selection seems to be excellent, so this is going to be a MAJOR money-saver.
My spending yesterday: Nothing!
My spending today:
Car Insurance: $138.44 For two older cars, not too bad.
Chipotle: $13.58 I know, I know, fast food. I tried to minimize the damage by ordering the cheapest meat and drinking water. Still, should have eaten at home. I need to go out for some more convenience food ASAP.
Starbucks card: $10 ….already? I had not realized how quickly these little card refills added up.