Please listen to me. I did this for thirty years, and it is always 6 months that the monster appears. Just get back on the wagon. It is okay.You nailed that one on the head Out My Window. It was a rather large combination of factors that triggered the monster's appearance but a monster it most certainly was which made it's way onto the scene these past few weeks. I really felt overcome and helpless.
-From Out My Window
We moved last weekend and things got chaotic, add the super warm weather (I'm in Montreal, Canada) and I completely stopped keeping track of my expenses. But I realized right away that I was back to my previous unhealthy spending habits - where I buy without any thought process. All this to say that I can hear myself in many of the things you said today.The lack of "thought process" was exactly how I strayed. I mean every time I bought something I thought to myself this isn't in the budget but I didn't really think about where the money would come from or how much it actually cost or how fast each purchase I just let float around out there in the atmosphere would REALLY add up and be REAL money spent. The more I spent the more I just felt awful and helpless and trapped in the old horrible foolish ways. You know even if I can't stick to my budget (and I'm going to try) I can at least be responsible.
Ok, I started out saying that a year is just TOO long. It is. It's starting to wear on me. Purely for mental reasons I'm starting over fresh with the latter six months of this year. Phase one is done! Phase two begins yesterday. During phase one I got rid of 4 credit cards and paid off $2217.16 in cc debt. I have $10 in savings and I tried my absolute hardest to stick to the $12 a day budget. I actually ended up spending an average of $13.90 a day.
During phase two I'd like to pay more than $2217.16 in cc debt. I'd like to actually build up a little savings ($10 really is a joke) and I'd like to spend less than $13.90 a day.