Neglect

I have been neglecting my blog lately…

Truth is, I let myself get SO far behind in school work. I have 4 sociology assignments (3 of those are 1 page papers) and 9 forum posts due on Saturday morning, a film analysis essay due on Monday morning, and a sociology test to take after work on Monday. Thats after I turned in 3 sociology assignments yesterday…

I swear they give you way more work if you take online classes.

I promise to myself that I will not get behind again. I promise I promise.

But in other news my September Spending Freeze is going pretty good. I have not bought anything like clothes or any home decor or craft stuff. Where I am having problems is food. Of course, food is a necessity but not in the quantity that I buy it in. Eating out is still my problem area, and it got really bad once I realized I was so behind in school work.

September Spending Freeze: Week One

{Via Smart and Sassy with Sprinkles}

It has been a week + one day since I laid out some strict rules for my finances this month. I will honestly say that I have not followed the rules exactly…
I know! I’m so weak!
I really don’t think I did awful, but I could have done better. After reading Allison’s SSF: Triggers post and reflecting back on my “moments of weakness” I did noticed a couple of triggers I have. My biggest problem is not wanting to cook after my 10 hour work days. I haven’t exactly come up with a game plan for next week yet, but I’m working on it. Another big trigger for me is the fact that my husband is not 100% on board with this challenge. So when I come home from my 10 hour shift and he says “the game is on tonight, do want me to order pizza?”, it is REALLY hard to say no.
So, here is what I did that went against the rules:
  • I bought an eyelash stain I discovered at Wally World– this one actually bit me in the butt because the product is horrible! I thought it would leave my eyelashes soft like when you go have them stained in a salon, but no, its like have thick clumpy mascara that wont wash off. 
  • We ate out four times instead of twice over the last week.
  • I bought an audiobook on itunes.
  • I also got Starbucks twice. That is not exactly against my rules, but I gave myself two trips for the month and I used up both trips in the very first week!
I am proud because there were many times that I thought of things I wanted to get but passed on buying. At first I thought about making a list of things that I wanted to buy, and waiting until October to make the purchases. But it kind of defeats the purpose of cutting back this month if I just buy double next month. So I figure that if I REALLY want the item and it still seems like a good idea then I will remember it without writing it down.

The September Spending Freeze: My Rules, My Way

August has been a rough month for us. My husband and I are both in school and it is important to us to not have a lot of school debt, so we try our hardest to pay for tuition and books without using credit cards or taking out loans. So far we have been able to do just that without much problem, but this month we also had to buy a new battery for my husbands truck, a new air conditioner for my car (hello 105 degree Texas summer weather), and I am having to pay for physical therapy 3 times a week. So, like I said it’s been rough. On top of that, I will only get 8 more paychecks before Christmas!

When I came across Smart and Sassy with Sprinkles‘s post about a spending freeze challenge, I thought that it would be a great opportunity to make cutting back a little more fun and maybe get some support along the way.

So in this post I am going to lay out my ground rules. Over the last few days, I have thought long and hard about what I spend the most money on, what I am buying that is not necessary, and what exactly I can cut back on.

Ok, so here are some of my financial faults:

  • I buy way more clothes than I need.
  • I have a weakness for the $1 spots in Target and Michaels.
  • I am currently down to Starbucks once a week but I think I can decrease that especially since they just increased their prices.
  • I tend to start more craft projects than I can finish.
  • I get lazy about cooking during the week and opt for the quick drive thru meal.
  • I also have way more workout clothes than 3 people need.
  • I also buy groceries to “try” and they end up sitting in the pantry until they go bad.
I also used to have a problem with buying entirely too many workout DVD’s but then I found my mom’s endless supply to borrow and the many that Netflix has. I think there are probably enough workout videos through those two resources that I won’t have to worry about buying new ones at least through the end of the year!
So, I am basically going to go all out and cut out anything that is a non-necesity. I am going to allow myself:
  • Two Starbucks runs for the entire month (hey I can’t just go cold turkey there).
  • Two non-cooked meals per week (one is reserved for our favorite mexican breakfast we have every Sunday).
  • $30 for a pre-planned girls shopping trip to Sam Moon.
Everything else is off limits! I should probably try to figure out how to block Amazon.com from my computer.
I will not:
  • go to Amazon.com.
  • go through the $1 spots in Target.
  • go to Michaels AT ALL.
  • go to Academy Sports and Outdoors AT ALL.
  • go to the grocery store without a pre-made list with all the weekly meals planned out.
  • veer off so said grocery list.
  • allow myself to be lazy about cooking during the week.
  • buy anything unless it is absolutely necessary.
So please pray for me and wish me luck!