Today was HORRIBLE! The very first thing I did this morning was spend the $3.64 that wasn't spent yesterday. I "had to" have a coffee from starbucks. No, I didn't "have to," but that ugly little cartoon me standing on my left shoulder convinced me otherwise and I wasted the money on it. As if that wasn't bad enough I proceeded to buy food that I was sure we "needed" and went way over budget for today. We are $9.44 over budget for the week. The sensible cartoon me didn't even show up for work today.
The ironic thing is that I half think the reason I was so inclined to buy buy buy is because I've been super stressed about our finances this week. WAY tight until Thursday (ok, with as tight as the budget is we're WAY tight until I don't know when). I've noticed that whenever I get really stressed about money I tend to let my guard down and spend more. It doesn't really make any sense. The only thing I can compare it to is how a drug addict screws their life up more and more and more each time they use drugs but the more screwed up they get the more they need the drugs. It's comforting to acquire things especially hot coffee's, refreshing sodas, relaxing dinners out at restaurants and cadbury eggs. When I'm really stressed about money I feel like I need to spend money in order to relieve the stress. (Obviously that doesn't help)
Today I'm setting a few first goals for this thing:
The first goal is to spend $10 a day. Originally that was my plan. I figured $10 was enough money for all the food we would really need. Then I realized we were going to need more than that for household supplies and you name it. That's where the $2 came in. I've been completely neglecting my original plan and just spending the $12 each day. So goal number one is to spend $10 a day and set aside $2 a day for larger purchases that don't happen daily or weekly for that matter.
The second goal is to pay off our smallest credit card ($285) next month. This goal is feasible. I have it budgeted to be paid next month BUT I've had it budgeted to be paid off for the last three months in a row. We can pay this card off by next month IF we actually stick to our budget; if we don't constantly buy all the little extra luxuries; if we're responsible adults.
The third goal will be the most difficult. My third goal is to try and get my husband on board with the budget. He hates it when I talk about money. He wants nothing to do with the budget but without him on board I'm not really going anywhere.
I don't need expensive coffees.
I don't need soda's, ever really, for any reason... they're super unhealthy.
I don't need to go out to eat.
I NEED to get out of debt!