I Find Myself Wondering….

Where is all my damn money?!?!?!?!?!

I’m coming up on my 3rd anniversary at work (also known as my escape from the indentured servitude that is graduate school) and I’ve enjoyed the life of “luxury” way more than I should have.

I go out to eat whenever I want. Its nothing for me to drop what should be enough $$$ for an entire family to eat on 1 meal (& drinks) for me. And its not just Restaurant Mafia, I go out to eat whenever I feel like it, and since I’m lazy, its a lot.

I buy whatever I want at the grocery store. I dont even look at prices anymore. I use coupons occassionally, but I don’t plan my shopping around what coupons I have. I don’t plan my meals either, so I just buy whatever I feel like eating for the next week and make it up as I go along.

I shop WAY TOO MUCH!!! Living in the land of outlet malls has really done me more harm than good. Between that and emails telling me about “sales” and whatnot, I buy way more than I need. Its nothing for me to hit Coach, Banana Republic, Ann Taylor, Urban Outfitters, Macy, Nordstroms, Barnes & Noble, etc at the drop of a hat.

I travel whenever I feel like it. Just earlier this year I book a cruise with my friend LM on a whim, about 3 weeks before the trip. Airtran’s having a fare sale? Ok, let me book a flight just because. And of course with travel comes hotel, rental car, eating out, admission to museums or concerts, shopping, etc.

I need help.

I’m not disciplined by nature, I’m disciplined when I absolutely HAVE to be, which is why my discipline went out the window when I wasn’t forced to live off of ramen in an itty bitty apartment.

I’ve decided that I want to buy a house within the next year, either here in Orlando or in whatever city I land in if I get another offer, so the time for discipline is NOW.

I know all about making a budget and whatnot, what I need help with is sticking to it. Anybody got any tips?

  • DC DIVA DATING ADVENTURES

    Oh, I feel you! And I’m working on it too. My friend sent me a blog worth a read. It’s called Fabulous Financials…

    Set a goal. Start small then work your way up.

    My goal is to save $5,000 by my B-day (Jan. 6)

    So if that means eating out twice a week instead of 5, that’s a sacrifice I have to make. Once you set your goal stick to it. Once you meet it reward yourself & set a new goal…

  • bummpy

    Give yourself a pay cut.

    Create an online savings account (if you don’t have one already – I like hsbcdirect.com because no min & no fees with high int). Log in to your HR settings at work and make it so a couple/few hundred automatically go to that account.

    Then forget about it. Let it all happen automatically.

  • Reecie

    good advice Bummpy. I have an acct with ING that I do that for. and I love to shop, but I’m starting to try to rework fly stuff in my closet and trying to love my accts growing larger more. I spend most of my money on flights, I don’t eat out as much anymore since I love to cook. so that’s my biggest vice right now. I def don’t want to own in FL, so I’m not concerned with that right now, but I am saving for that one day, plus other big ticket things for the future.